Revised 7/2014
FACTS: WHAT DOES CHARTER OAK 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 depends on the product or service you have with us. This information can include:
- Social Security Number and income
- Account balances and payment history
- Account transactions and credit card or other debt
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 Charter Oak Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your information |
Does Charter Oak Federal CU 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 | No |
| For our affiliates’ everyday business purposes – Information about your transactions and experiences |
No | We do not share |
| For our affiliates’ everyday business purposes – Information about your credit worthiness |
No | We do not share |
| For our affiliates to market to you | No | We do not share |
| For non-affiliates to market to you | No | We do not share |
Questions? Call us at 860.446.8085, 800.962.3237, or visit us online at CharterOak.org.
We are located at 1055 Hartford Turnpike, Waterford, CT 06385
Who we are |
|
|---|---|
| Who is providing this notice? | Charter Oak Federal Credit Union and our affiliate, SCCT LLC |
What we do |
|
|---|---|
| How does Charter Oak FCU 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, as well as secured files and buildings. Charter Oak regularly tests and assesses its information security measures, systematically trains employees, and adopts upgrades and enhancements as necessary in order to protect your information. |
| How does Charter Oak FCU collect my personal information? |
We collect your personal information, for example, when you
|
| Why can’t I limit all sharing? |
Federal law gives you the right to limit only
State laws 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 nonfinancial companies.
|
| Non-Affiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint Marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you.
|
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