|
In recognition of our members' expectation of privacy, Central Coast
Federal Credit Union has adopted the following privacy statement.
|
 |
|
Central Coast will collect only the personal information that is necessary to
conduct our business. That means just what is necessary to provide competitive
financial products and services - no more. Information we may gather for membership,
loan applications and/or to open share accounts may include your name, address,
birthdate, social security number, Careers information, and credit information. We
may gather general information about site visitors' browsing activities. This enables
us to track how a visitor navigates through the site and the areas in which they show
interest. This is similar to a traffic report: it tracks trends and behaviors of
members in general, but does not identify individuals in particular.
|
|
|
Central Coast FCU will protect your personal information. We will maintain security
controls to ensure that member information stored on our premises and in our files
and computers is protected. Where appropriate, we will use security-coding techniques
to protect against unauthorized access to personal records, ensure accuracy and
integrity of communications and transactions, and protect member confidentiality.
|
|
|
Restrictions on the Disclosure of Account Information
|
|
Central Coast Federal Credit Union will not disclose confidential member
information outside the credit union unless:
- The member consents to the disclosure;
- The information is provided to help complete a transaction that the member has authorized;
- Legal or regulatory requirements oblige the credit union to supply the information;
- It is supplied to a vendor working on behalf of the credit union; or
- It is a credit-reporting agency.
|
|
|
Information we may disclose may include your name, social security number,
birthdate, address, account/loan balance, account/loan status, and account/loan
payment history.
|
|
|
Employee Access and Use of Member Information
|
|
|
Within Central Coast, the credit union requires that confidential information be
safeguarded at all times and be used only for legitimate business purposes.
|
|
|
The credit union takes measures to limit employee access to confidential
information on a "need-to-know" basis and makes every effort to ensure that
financial information is maintained in an accurate and up-to-date manner. We educate
our employees about the importance of confidentiality and customer privacy through
standard operating procedures, special training programs, and Central Coast' Code of
Ethics.
|
|
|
Member Choice
|
|
|
The credit union will occasionally inform members of new products and services via
email, mail or telephone. If a member wishes to opt out of these offers, Central Coast
will attempt to honor that request. Simply notify the credit union of your wish, and
you will be excluded from future offers.
|
|
|
Maintaining Member Privacy in Our Business Relationships
|
|
|
The credit union will not sell or share member personal information with a third
party for the third party's own independent use. However, Central Coast occasionally
contracts with outside vendors and other business partners to perform specific
services for the credit union. We require these vendors to honor and safeguard the
information we provide them and to follow strict confidentiality requirements.
|
|
|
If you have any reason to believe that your personal information retained at
Central Coast Federal Credit Union is incorrect, please call us at (831) 393-3480 or
email us at info@centcoastfcu.com. We will
investigate the problem and, if appropriate, update the credit union's records.
|