Privacy Policy

FACTS

What does CS 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:

 n  Social Security number and  Loss History

n  Payment History and Credit History

n  Transaction History and Overdraft history

 

 How?

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

Reasons we can share your personal information Does CS 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 YES
For joint marketing with other financial companies YES YES
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 nonaffiliates to market to you NO We Don't Share

Who we are

Who is providing this notice? CS Credit Union
What we do
How does CS 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 CS Credit Union collect my personal information? We collect your personal information, for example, when you:

n Open an Account or Apply for a Loan

n Provide contact information or Provide account information

n Make a wire transfer

Why can't I limit all sharing? Federal law gives you the right to limit only:

n sharing for affiliates' everyday business purposes—information about your creditworthiness

n affiliates from using your information to market to you

n sharing for nonaffiliates to market to you

 

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

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on the account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

 

n  CS Credit Union has no affiliates

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

 

n  CS Credit Union has no affiliates

Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

 

n  Example: CUNA Mutual Group

 

To limit our sharing?

 n  Call 828-241-6048 - our menu will prompt you through your choice(s) or

n  Visit us online: www.csnccreditunion.org

Please Note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share you information as described in this notice.

However, you can contact us at any time to limit our sharing.

 

 Questions?

Call 800-438-3335 or go to: www.csnccreditunion.org

 



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