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To
Our Members:
Communicating Arts
Credit Union is owned by its members and governed by a
board of directors you elect. Protecting personal
information and using it in a manner consistent with
your expectations is a high priority for everyone
associated with CACU. We are providing this notice to
explain how we collect, use, and safeguard your personal
financial information.
We are committed to
making available competitive products and services that
will enable you to meet your financial needs and reach
your financial goals. CACU reserves the right to share
information about you to complete transactions and to
provide you with certain financial opportunities. In
order to do so, we have entered into agreements with
other companies that provide either service to us or
additional financial products for you to consider.
CACU's Board of Directors has approved each of these
companies.
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Information We
Collect About You
CACU will collect only the
personal information that is necessary to conduct our
business. We collect nonpublic personal information
about you from the following sources:
Membership
and loan applications, other forms, and e-mail's that
you send us.
Your transactions with our affiliates,
others, or us.
Consumer reporting
agencies.
Current or past employers, or other
sources, when contacting them to verify information you
provide us on an application or other
forms.
Credit Union Information Disclosure
Practices
We may disclose the following kinds
of nonpublic personal financial information about
you:
Information we receive from you on
applications and other forms, such as name, address,
social security number and date of birth.
Information
about your transactions with us or other companies that
work closely with us to provide you with financial
products and services, such as your account balances and
payment history.
Unless we hear from you, this
information may be shared with the following types of
third parties:
Financial service providers, such
as companies providing auto, life, accident and health
insurance.
CACU will partner only with businesses
that follow strict confidentiality requirements. The
businesses we select will offer products designed to
enhance our members' economic well being. Under no
circumstances will we authorize these firms to charge
your account without your express consent, and we will
not sell member information to telemarketing
firms.
Please remember that by law, your right to opt
out of the disclosure of information to third party
businesses is not applicable to those disclosures we
make to companies that perform services on our behalf
(such as check printers), other financial institutions
with whom we have a joint marketing agreement, companies
necessary to process or service your account, or third
parties to whom disclosure is permitted or required by
law (such as the credit union's auditors and
examiners).
How to Exercise Your Right to Opt
Out
If you prefer that we do not disclose
nonpublic personal information about you to such
nonaffiliated third parties, you may opt out of those
disclosures. If you wish to direct us not to make
disclosures to nonaffiliated third parties (other than
permitted by law), you shouldcall us at (513) 381-3070
or (800) 735-7929.
Any account holder may
exercise the right to opt out, even if you are not the
primary member on the account. CACU will treat an opt
out request from any one party to an account as if all
account holders exercised their rights to opt
out.
Disclosure of Information About Former
Members
If you terminate your membership with
CACU, we will not share information we have collected
about you, except as permitted by law.
How We
Protect Your Information
CACU maintains
strong security controls to ensure that member
information in our files and computers is protected. Our
employees are trained on the importance of maintaining
confidentiality and member privacy. We maintain
physical, electronic, and procedural safeguards that
comply with federal regulations and leading industry
practices to safeguard your nonpublic personal
information.
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