Caltech Employees Federal Credit Union

Privacy Notice

Caltech Employees Federal Credit Union values you as a member/owner and is committed to providing you quality financial services to help you meet your financial goals.

We value the trust you have put in your Credit Union and understand the importance of protecting the privacy of our members. We are committed to protecting and maintaining the confidentiality of each member's personal and financial information. Safeguarding your privacy along with your financial assets, is our top priority.

This privacy notice is provided to you to explain how we handle and protect your personal and financial information.

INFORMATION WE COLLECT

In order to provide you with quality financial services, we sometimes collect non-public personal information about you from the following sources:

Information we receive from you on applications or other forms;
Information about your transactions with us, our affiliates, or others;
Information we receive from a consumer reporting agency; and
Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.

SHARING INFORMATION

Again, in order to protect your privacy, we will only share your non-public personal information with non-affiliated third parties to complete transactions and maintain accounts and related records (such as data processing transactions and records).

We may also share information with select non-affiliated third parties if:

You request or authorize it;
The information is provided to help complete a transaction initiated by you;
The information is provided to a consumer reporting agency in accordance with the Fair Credit Reporting Act; or
The disclosure otherwise is lawfully required or permitted.

Also, at times we may partner with other businesses to provide support or services for one or more of our products, such as check printing or data processing companies. Before entering into relationships with our business partners, we require them to agree to safeguard our members' information and to comply with all applicable privacy laws.

We do not provide account information or personal information to non-affiliated third parties for the purpose of independent telemarketing or direct mail marketing of any products or services of those parties. We do not disclose any non-public personal information about our members and former members to anyone, except as permitted by law.

We will adhere to this policy for all members, both current and prior members, with active and inactive accounts.

We restrict access to your personal account information to those employees who need to know that information to provide products or services to you. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

We strive to ensure that our records contain accurate information about you. If you see any inaccuracies in your statements, please contact us. We will promptly investigate and make any necessary changes to update your records.

WHAT YOU CAN DO TO HELP PROTECT YOUR PRIVACY

Protect your account numbers, card numbers, PINs (Personal Identification Numbers) and passwords. Never keep your PIN with your ATM or credit cards which can provide free access to your accounts if your card is lost or stolen;
Use caution when disclosing your account numbers, Social Security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the Credit Union and asks for your account number, you should beware! Official Credit Union staff will have access to your information and will not need to ask for it; and
Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know immediately.

If you have any questions concerning this notice, please do not hesitate to contact us. Thank you for allowing your Caltech Employees Federal Credit Union to serve your financial needs with your best interest in mind!