Privacy Statement
Defining Terms
We, our, and us mean Citizens Community Credit Union. This is our privacy policy for our website. When we use the words you and your we mean our consumer members who have a continuing relationship with us.
As a member of the credit union, you expect privacy and security for your personal and financial affairs. It is part of our mission to protect your privacy and safeguard your financial assets. To this end, we are committed to handling member information in a responsible manner.
We first define some terms.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
An affiliate is a company we own or control.
A nonaffiliated third party is a company that is not an affiliate of ours.
Information We Collect About You
We limit the amount and type of information we collect and maintain about our members to what is needed to establish and maintain member accounts, comply with legal and regulatory requirements, and to develop new products and services. We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms.
- Information about your transactions with us.
- Information about your transactions with non-affiliated third parties.
- Information from a consumer reporting agency.
To maintain site security as well as to improve our site, we use software that can monitor network traffic and identify unauthorized attempts to cause damage or change information. With this software, we can obtain some information when a person visits our site, such as the last site visited by the browser and what pages within our site are visited. We use the information for statistical purposes to make our site more useful to our members. We make no attempts to identify individual users or their usage habits, except in cases of authorized investigations by law enforcement agencies.
Information We Disclose About You
We do not disclose any nonpublic personal information about you to anyone outside Citizens Community Credit Union, except as follows:
- To conduct our business (for example, sharing information with credit reporting agencies, persons verifying account status, check and credit card processing services, statement printing and mailing services, or organizations providing other services for us).
- When we suspect fraud or are otherwise required or permitted to do so by law.
- When a member requests or gives us permission (usually in writing) to do so.
Employees and directors are educated on the importance of maintaining the confidentiality of member information. We limit access to member information to those employees with a business reason for knowing the information. Employees or directors who fail to comply with our privacy policy are subject to disciplinary actions that can include dismissal. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
We will not provide account balances, login IDs, passwords, or other information about your account in email or email attachments sent to you. We recommend you do not include personal information like this in your emails to us.
When you send us an email you should know that the message may be reviewed by more than one person. If you ask a question, your message may be forwarded to several employees before we find the right person to best help you. Your questions or comments may be shared internally to help improve service to all members.
Non-public Personal Information and Former Members
If you decide to close your account(s) or become an inactive member, we will follow the privacy policies and practices as described above.
