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Our Privacy Pledge: At Columbia Credit Union we respect the privacy of our members. We recognize the
importance of maintaining the confidentiality of your personal financial information. This notice describes
the privacy policy and practices followed by Columbia Credit Union. This notice explains what types of member
information we collect and under what circumstances we may share it.
Member Information We Collect: The Credit Union collects only relevant information about members that is
needed to establish and maintain your account and services as the law allows or requires us to collect. We may
collect personal and financial information about you (member information) that is "nonpublic." The member
information we collect varies depending on the accounts and services you request and use. We collect
information about you from the following sources:
Application Information: We retain personal information we receive from you on any application you provide
for membership, deposit accounts, EFT services, loans, or other Credit Union services. This includes
information such as name, address, social security number, employment, financial status, and credit history.
Your Transactions: Any time you make a transaction on one of your accounts, including ATM or debit
card transactions, loan advances, transactions through Internet banking, over the phone or at a branch, we
retain the transaction information, including information such as your account number, the date, amount,
location of the transaction, and any other pertinent information.
Credit and Marketing Information: When we evaluate your application for an account or service, we
may request a credit report about you from a consumer reporting agency. We retain the personal and credit
history information about you and we may use it to evaluate future account service requests. From time to time,
we also obtain demographic household information about members and potential members from marketing information
firms.
Online: We obtain information online when you visit our website, www.columbiacu.org. This includes
retaining information you provide us on any online application, Internet banking transaction or information you
send to us by email. We may also ask for your email address, and if supplied, we look to this as permission to
market additional products and services from Columbia Credit Union. However, we do not sell your email address
to any outside parties.
Member Information We Share: In order to provide financial services to you, we share
certain information about you with third party service providers. However, we only share information to the
extent necessary to service your account or offer new services to you. Information we may have about former
members is shared or disclosed only as necessary to enforce or administer an account or as required by law.
Sharing Information with Third Party Service Providers: In order for us to conduct our operations, including
servicing your account or processing your transactions, we need to share information with our service
providers, including data processing companies, check, ATM and other payment processing companies, payment
networks, loan service providers, insurance companies, collection agencies, credit reporting agencies,
investment companies, and financial service providers with whom we have agreements.
These service providers act on our behalf and have agreed in writing to keep the member information we
provide to them confidential. We share the following categories of information to third party service
providers depending on the specific services provided:
- Personal information (such as name, address, account number, email)
- Account information (such as type of accounts, account balances, transaction history)
- Transaction information (such as the dates, amounts, locations and type of transaction)
We do not share your account numbers with independent third party marketers offering their own products
and services. While we may assist in offering financial products and services of other financial service
providers, we control the member information used to make such offers.
Sharing Information as Legally Required or Permitted: We may share your member information in response to a
lawful request issued by a court, government agency, or regulatory authority, or as permitted by law in order
to administer or enforce your account. We may also share our experience information about you with credit
bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the
right to make sure that your credit bureau reports are accurate.
Our Confidentiality and Security Safeguards: We maintain strict policies and security controls to assure
that member information in our computer systems and files is protected. Our employees and service providers are
permitted access to member information that they may need to perform their jobs and to provide service to you.
Our employees and service providers have access to such member information as necessary to conduct a
transaction or respond to your inquiries. All employees and service providers are required to respect member
privacy. No one except our employees and service providers has access to the Credit Union computer system and
records storage. The Credit Union has established internal security controls, including physical, electronic, and procedural safeguards that comply with federal regulations to protect the information you provide us and the information we collect from you.
We will continue to review our internal security controls to safeguard your member information as we employ
new technology in the future.
Our Privacy Protection: At our website, www.columbiacu.org, you may apply for accounts and services and you
may communicate with us via email. To protect the information you provide us online, we use multiple levels
of security. The application information we accept online and our Internet banking service rely on industry
standard "Secure Sockets Layer" (SSL) encryption to secure your transaction information and communication.
Anytime we request personal information from you we will request it through a secure webform. You may contact
us through our secure webform in the “contact us” section of our website. When you visit our website, you can
access site information without revealing your personal identity. However, in order to help us identify you for
future site visits, we use "cookies" to track your visit. A "cookie" is a piece of information that our web
server stores on your computer hard drive and retrieves later. The cookie will not request, require or collect
personal identity information and you remain anonymous. Your member information is not accessed by or stored
within a cookie in any way.
Consolidation Sites: Please use caution when using online consolidation sites (also known as aggregator
sites). Consolidation sites are Internet sites that offer the ability to collect all of your personal
information on one site. As such, you may be encouraged to provide these sites with your personal financial
information, such as your Online ID, Access ID (PIN), or other personal financial information. NEVER PROVIDE
THIS INFORMATION TO A SITE THAT YOU DO NOT RECOGNIZE AND FULLY TRUST. All transactions initiated by a
consolidation site using access information you provide are considered to be authorized by you, whether or not
you are aware of the specific transaction. You may revoke this authority only by notifying us through your
branch of choice or at the address below, and we may block your account until we issue new access codes.
Protecting Children's Information Privacy: Our online financial services are not designed for or directed
toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to
children online. We recognize that protecting children's identities and online privacy is important and that
responsibility rests with us and with parents.
Important Information About Procedures for Opening a New Account: To help the government fight the funding
of terrorism and money laundering activities, federal law requires all financial institutions to obtain,
verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and
other information that will allow us to identify you. We may also ask to see your driver’s license or other
identifying documents.
Privacy Policy Inquiries: If you have any questions about our privacy practices, contact us by calling
360.891.4000 or 800.699.4009; or use our secure online form ; or write to us at P.O. Box
324, Vancouver, WA 98666.
Last Updated: 2/1/2010 |
