Privacy Policy

FACTS

WHAT DOES CHENEY FEDERAL CREDIT UNION

DO WITH YOUR PERSONAL INFORMATION?

 

Why?

Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.

 

What?

The types of personal information we collect and share depend on the product or service you have with us.  This information can include:

·         Name, Address, Social Security Number, Income

·         Other information we receive from you on applications or other forms

·         Account Balances and Transaction History

·         Credit History and Credit Scores

When you are no longer a member, we continue to share your information as described in this notice.

 

How?

All financial companies need to share members’ personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Cheney Federal Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does Cheney Federal Credit Union share?

Can you limit this sharing?

For our everyday business purposes –

Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to a credit bureau

 

 

Yes

 

No

For our marketing purposes –

To offer our products and services to you

 

 

Yes

 

No

For joint marketing with other financial companies

 

Yes

No

For our affiliates’ everyday business purposes –

Information about your transactions and experiences

 

 

Yes

 

No

For our affiliates’ everyday business purposes –

Information about your creditworthiness

 

 

No

 

We don’t share

For non-affiliates to market to you

 

No

We don’t share

 

Questions?

Call (888) 901-2328 or (509) 235-6533, go to www.cheneyfcu.com to “Contact Us”, or write to us at Cheney FCU, PO Box 160, Cheney WA 99004

 

 

 

Who we are

Who is providing this notice?

Cheney Federal Credit Union

 

What we do

How does Cheney Federal Credit Union protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.  Employee access to nonpublic personal information is limited to those employees with a business reason to know such information.

 

How does Cheney Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

·         Open an account or apply for other credit union services

·         Apply for a loan

·         Conduct transactions on your account(s)

·         Use our online services

We also collect information from others, including credit reporting agencies and other companies.

 

Why can’t I limit all sharing?

Federal law gives you the right to limit only

·         Sharing for affiliates’ everyday business purposes – information about your creditworthiness

·         Affiliates from using your information to market to you

·         Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

 

 

Definitions

Affiliates

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

 

Non-affiliates

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

 

Joint Marketing

 

A formal agreement between non-affiliated financial companies that together market financial products or services to you.