Privacy Policy
Protecting Your Privacy
Financial 21 Community Credit Union values the privacy of our members. You have chosen to do business with us, and we recognize our duty to keep the information you provide to us secure and confidential. We believe that all personal and financial information specific to you that you have provided to the Credit Union through any channel constitutes personal information. Protecting your privacy, along with your financial assets, is at the core of our business.
Keeping Your Information Secure
Keeping your financial information secure is one of our most important responsibilities. We value your trust and handle your information with care. Our employees access information about you when needed to maintain our accounts or otherwise meet your needs. Our policies and procedures emphasize the importance of keeping our members' information confidential. We protect information according to established security standards and procedures, and we continually assess new technology for protecting information.
Working to Meet Your Needs Through Information
In the course of doing business, we collect and use various types of information, such as information available from public records, market research and credit reports, as well as information you provide to us. We may also access information about you, such as credit reports, when considering a request from you for additional services or when exercising our rights under the law or any agreement with you.
Keeping Information Accurate
Keeping your account information accurate and up to date is very important. We have established procedures so that your financial information is accurate, current and complete. If you ever find that your account information is incomplete, inaccurate or not current, please call or write us at the telephone number or address listed on your account statement. We will correct any wrong information as quickly as possible.
How and Why Information is Shared
We limit who receives information and what type of information is shared. We share information with the goal of bringing you greater convenience and more choices.
Sharing Information with Credit Union Affiliates
The Credit Union is affiliated (through full or partial ownership) with various service organizations. All of these companies are dedicated to working together to provide the products and services that you want. All of these companies meet the same stringent requirements to protect your privacy as the Credit Union. We may also share information from your applications with other companies that assist us in providing an array of services, such as check printing, investments and insurance, and data processing. These companies might, for example, assist us in offering you certain products and services or help us mail statements. These companies act on our behalf and are required to keep the information that we provide to them confidential.
We do not sell our member lists to catalogs, direct mail companies, magazines or other non-financial service providers.
Other
Certain information, such as trust and fiduciary information, is subject to very strict limitations regarding the sharing of information, both internally and externally. For the most part, we do not collect personal identifying information about visitors to our Internet site. Individual visitors to the Credit Union's web site remain anonymous. Our servers collect standard non-identifying information about visits to the site, such as date and time visited, IP address, city, state and country. This information is used to compile standard statistics on site use. Please note that since we cannot control information on other Internet sites, we are not responsible for the content of sites linked from our Web site.
We collect the e-mail addresses of visitors to our web site when visitors provide them, the e-mail addresses of those who communicate with us via e-mail, and information volunteered by the visitor, such as survey information. If you supply us with your e-mail address on-line you may receive periodic messages from us with information on new products and services or upcoming events. We do not make our member information available for marketing purposes to any company that does not have an ongoing, trusted business affiliation with Financial 21.
Secure Server Software
To ensure the security of your confidential account information, we use proven security software to encrypt the information before it is transmitted through the Internet via on-line banking. We only allow confidential information to be submitted for transmission if your browser is compatible with Secure Socket Layer (SSL) technology, our security software. This technology encrypts, or scrambles, your account information so it is virtually impossible for anyone other that Financial 21 to read it. If your browser is not compatible, you will receive a message indicating your transaction cannot be completed because of the security risk.
Links to Non-Financial 21 Sites
We are not responsible for the information collection practices of the non-Financial 21 Community Credit Union links you click to from our Web pages. We cannot guarantee how these third parties use "cookies" (pieces of data assigned by a Web server to the browser on your PC) or what they place on our computer cookies that identify you personally. We urge you to review the privacy policies of each of the linked Web sites you visit, before you provide them with any personal identifiable information.
Not Intended Use
Our site is not intended for the use of children. We do not knowingly market to, or solicit data from children.
Request for Removal from Special Mailing Lists
The Credit Union and companies affiliated with the Credit Union are permitted by law to share among one another any information about the transactions or experiences with you. If you do not wish the Credit Union to share information (other than information regarding its transactions or experiences with you), please send your request to: Financial 21 Community Credit Union, 440 Beech Street, San Diego, CA 92101. Please keep in mind that if you choose to remove your name from our database, you may not longer be able to receive some of the limited special offers available only to existing Credit Union members. Please note that your request for removal will only apply to information shared in order to make promotional offers to you.
Our Privacy Policies may change from time to time, so please check our Web site or with any Credit Union branch for the most updated version.
Rev. April 2004
