Privacy Policy

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:

•           Social Security number and income;

•           Account balances and payment history

•           Credit history and credit scores

When you are no longer our member, we continue to share information about you according to our policies.

How?

All financial companies need to share members’ personal information to run their everyday business – to process transactions, maintain customer accounts, and report to credit bureaus. In the section below, we list the reasons financial companies can share their members’ personal information, the reason CESFCU chooses to share, and whether you can 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, and report to credit bureaus

Yes

No

For our marketing purposes –

to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes –

information about your transactions and experiences

No

We don’t share

For our affiliates’ everyday business purposes –

information about your creditworthiness

No

We don’t share

For our affiliates’ to market to you

No

We don’t share

For non affiliates’ to market to you

No

We don’t share

Questions?

Call 501-671-2038 or go to www.cesfcu.org

How does CESFCU

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.

How does CESFCU

collect my personal information?

We collect your personal information, for example, when you

•           open an account or deposit money;

•           pay your bills or apply for a loan;

•           use your credit or debit card.

We also collect your personal information from others, such as credit bureaus, affiliates, or 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.

Affiliates:

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

•           CESFCU has no affiliates.

Non affiliates:

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

•           CESFCU does not share with non affiliates so they can market to you.

Joint marketing:

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include:

•           CESFCU does not share with non affiliates so they can market to you.