Privacy Policy

There are two ways to choose whether we share some of your personal information

If you have previously opted out, you need not do so again. 


FACTS      

WHAT DOES CBC 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:

  • Social Security Number and Income
  • Account Balances and Payment History
  • Credit Score and Credit History
 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 CBC Federal Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does CBC 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 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

Yes

 Yes

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 do not share

For our affiliates to market to you

Yes

Yes

For non-affiliates to market to you

No 

We do not share

 

Questions?   Call (805) 988-2151 or (800) 477-2890, send us an email at memberservices@cbcfcu.org or write to us at: CBC Federal Credit Union, 2151 E. Gonzales Rd, Oxnard, CA 93036-3757.

 

Who we are  
Who is providing this notice? CBC Federal Credit Union

 

What we do  
How does CBC Federal Credit Union protect my personal information?               To protect your personal information from unauthorized access, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also have strict policies, vendor requirements, and staff training all designed to protect your personal information and privacy. See below for more information about security.
How does CBC Federal Credit Union collect my personal information?

We collect your personal information when you:

  • Open an account or apply for a loan
  • Use your debit card
  • Perform transactions or pay your bills
In addition to collecting information from you, we also collect your personal information from others, such as credit bureaus.
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 to non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under California law.

What happens when I limit sharing for an account I hold jointly with someone else?

A request by one party will apply to all parties on the account.

 

Definitions  
Affiliates

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

CBC Services Organization, Inc. & Insurance Agency is an affiliate of CBC Federal Credit Union with whom we share member information.

Non-Affiliates             Companies not related by common ownership or control. They can be financial and non-financial companies.

CBC Federal Credit Union does not share your personal information with non-affiliates, except with your written consent or as authorized by law to carry out transactions you ask or authorize us to perform for you.
Joint Marketing  

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

CBC Federal Credit Union is responsible for all mailings to members and does not disclose your information to any non-affiliated financial companies.

 

Other important information

California law provides that your non-public personal information may not be shared with non-affiliated parties without your written consent except as specifically permitted by law. This is often called an "opt in" requirement.

 

 

Personal Information

When you visit cbcfcu.org, we automatically receive and store certain types of information, such as the content you view, the date and time you view this content, the products you purchase, or your location information associated with your IP address. We use the information we collect to serve you more relevant advertisements (referred to as "Retargeting"). This is statistical information used to monitor the usage of our website and for advertising purposes. This information does not include personal information.

Cookies

As you browse cbcfcu.org, advertising cookies will be placed on your computer to help us predict your interests. Our display advertising partner, AdRoll, then enables us to present you with retargeting advertising on other sites based on your previous interaction with cbcfcu.org. The techniques our partners employ do not collect personal information such as your name, email address, postal address or telephone number. You can visit this page to opt out of AdRoll and their partners' targeted advertising.
 

Security

For your protection, our website is supported by a secure server to ensure your personal information, including account information, is tightly safeguarded in accordance with industry standards.
 

For your security, emails sent from the CBC Federal Credit Union website to CBC Federal Credit Union are encrypted. Additionally, we will only use your email address to respond to your email or to provide information related to CBC Federal Credit Union.

CBC Federal Credit Union is not responsible for the privacy practices of any linked websites.

June 1, 2016