PRIVACY POLICY

FACTS

Rev. 2/23

What does cottonwood community 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 credit history
credit scores and employment information
income and payment history

When you are no longer our 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 Cottonwood Community Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Cottonwood Community 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 to 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	No
For our affiliates' everyday business purposes -- information about your transactions and experiences	No	We don't share
For our affiliates; everydaybusiness purposes	No	We don't share
For no-affiliates to market to you		We don't share

Questions

Call 208-962-3451 or go to ccfcu.co

What we do

How does Cottonwood Community 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.

How does Cottonwood Community Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

open an account or show your government-issued ID
provide employment information or apply for financing
give us your contact information

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 law 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 non-financial companies.

Cottonwood Community Federal Credit Union has no affiliates

Non-affiliates

Companies not related by common ownership or control.

Cottonwood Community Federal Credit Union does not share with our non-affiliates so they can market to you.

Joint Marketing

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

Our joint marketing partners include credit card companies and insurance companies.