CommunityAmerica's Privacy Statement

CommunityAmerica Credit Union

Privacy Statement
Online Privacy Statement
Online Security Statement

Privacy Statement

CommunityAmerica Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting your personal information and using it in a manner consistent with your expectations is a high priority for anyone associated with the credit union. We are required by law to give you this privacy disclosure to explain how we collect, use and safeguard your personal financial information, therefore, we provide the following privacy disclosure:

In order to comply with the USA Patriot Act, effective October 2003, the Credit Union is required to verify the identity of members applying for and opening new accounts or services and/or changing authorized signatories on existing accounts with the Credit Union. We are required to obtain the following information:

• Name
• Mailing and residence address
• Tax identification number
• Date of birth

We may also ask to see your driver's license or other identifying documents. We may also verify identification by non-documentary sources such as bank history reports.

Additional data or information, including a copy of a government issued photo ID, may also be required depending on the type of account applied for or opened. Data on existing members will be updated as they open or use additional services offered by the Credit Union. The Act requires us to maintain records of the identification verification and periodically update this information.

Information Collected and Disclosed About You

We may collect nonpublic personal information about you from the following sources:
• Information we received from you on applications or other forms;
• Information about your transactions with us or others;
• Information we receive from a consumer reporting agency; and
• Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.

We do not disclose nonpublic personal information about former members beyond the point at which membership terminates, except as provided by law.

We may disclose nonpublic personal information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.

The categories of such companies to which we disclose information include: Companies performing outside mailing for marketing purposes, and companies offering life and term insurance, accidental death and dismemberment insurance, or hospital accident protection insurance.

How We Protect Your Information

We will protect your personal information. The credit union will employ a security program to ensure the safety and confidentiality of your records, protect against anticipated threats or hazards to the security or integrity of such records, and protect against unauthorized access to or use of such records that could result in substantial harm or inconvenience to you. Further, we restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.

We may also disclose nonpublic personal information about you to non-affiliated third parties as permitted by law.

We will only share information when absolutely necessary. We will only share information to administer the products and services we provide, when requested to do so by the government, or when we partner with businesses to offer a broader array of products and services.

We will partner only with businesses that follow strict confidentiality requirements acceptable to the credit union and by law. The businesses we select will offer products designed to enhance your economic well being. Under no circumstances will we authorize these firms to charge your accounts without your expressed consent, and we will not sell your information to telemarketing firms. Your account numbers will not be disclosed.

Online Privacy Statement

Effective Date: May 2002

CommunityAmerica Credit Union and division Yellow Financial (hereafter referred to collectively as ‘The Credit Union’) are committed to making financial products and services available that can enable you to meet your financial needs and achieve your financial goals. In the course of providing these services, a certain amount of personally identifiable information is collected. Protecting your personal information and using it in a manner consistent with your expectations is of the utmost importance to everyone associated with The Credit Union. Our pledge is to keep this information secure and to use it only as you so authorize.

This Privacy Disclosure states the online, personal information usage practices and policies of The Credit Union. This disclosure applies to all information collected or submitted through The Credit Union website. To make certain this statement can be easily located, it is available on our homepage and at every point where personally identifiable information may be requested.

Acceptance of Terms
By accessing or using the cacu.com, yellowfinancialcu.com or cacumortgage.com web site(s), you agree to the terms of our privacy policy as outlined herein. CommunityAmerica Credit Union and Yellow Financial Credit Union, in an ongoing effort to serve members responsibly, reserves the right to change the Privacy Policy from time to time at its sole discretion. Your use of this site will be subject to the most current version of the Online Privacy Policy at the time of such use.

When you engage in certain activities on our site, such as home banking, or applying for online services, The Credit Union may ask you to provide certain personal information by filling out and submitting an online form. It is completely optional for you to engage in these activities. Depending on the activity, some of the information that we ask you to provide is identified as mandatory. If you do not provide the mandatory data with respect to a particular service, you will not be able to engage that service. By providing the mandatory data and continuing your use of this site, you signify acceptance of the terms of this policy as outlined herein.

Notification of Changes
The Credit Union, in an ongoing effort to serve members responsibly, reserves the right to make changes to the privacy policy from time to time. If changes are made to our privacy policy, we will post those changes on our Homepage so our users can remain informed. Your use of this site will be subject to the most current version of the Online Privacy Disclosure Statement.

Correction/Updating Personal Information
If a user’s personally identifiable information changes (such as zip code), or if a user no longer desires our service, we provide a way to correct, update or remove that user’s personal data. This can be done by accessing AccountLink, clicking on the Request page and then on Address Change, by using our Secure Mail option or by directly contacting AccountLink Services, toll free at 866.272.2228. You may send a written request via US Postal Service to the following address: AccountLink Services, PO Box 15950, Lenexa, KS 66285-5950.
Choice/Opt-out
In certain instances, our users are given the opportunity to ‘opt-out’ of having their information used for purposes not directly related to the request they are making, such as allowing The Credit Union to use the information for targeted marketing purposes.
Links
This web site may contain links to other web sites. Please be aware that we are not responsible for the privacy practices of other such sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this web site.
Information Collection
We acknowledge that we collect, retain, and use information about our members, as permitted by law, and where management deems it useful to further our business efforts. For example, information about our members assists our staff in developing new products and services, or enhancing existing products and services, and then offering them to our members. The Credit Union is the sole owner of all information collected on this site. We will not sell, lease or otherwise share this information with outside companies or vendors, except as disclosed in this statement.
Information about users is accumulated from a variety of sources. Information can be provided by the user directly; data can be obtained from outside sources, i.e., credit bureaus or other reputable information-reporting agencies (as a result of answering service requests by applicant), or data can be collected as a function of providing a product or service to our users. Information is also gathered through the use of:
Cookies
The use of " Cookies" is an industry standard that refers to pieces of information that a Web site transfers to your computer's hard disk for record keeping purposes. AccountLink, the online banking portion of our website does not use cookies, however we have no access to or control over cookies collected by web sites that may be linked to The Credit Union web site.
Log Files
IP addresses may be used to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. However, we can and will use IP addresses to identify a user when we feel it is necessary to enforce compliance with our house rules, terms of service or to protect our service, site, users or others.
Surveys
From time-to-time our site requests information from users via surveys. Participation in these surveys is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include demographic information (such as zip code, age level). Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.
Information Sharing
We will partner only with businesses that follow strict confidentiality policies acceptable to the credit union and by law. But please be aware that we, The Credit Union, are not responsible for the privacy practices of such other sites. This privacy statement applies solely to information collected by this Web site.
We may disclose nonpublic, personal information to companies that perform on our behalf or with which we have joint marketing agreements. Information is shared only when necessary to administer the products and services we provide, when requested to do so by the government, or when we partner with businesses to offer a broader array of products and services. When a user signs up for these products and/or services, we will share names or other contact information necessary for the third party to provide these services. These third parties are not allowed to use personally identifiable information except for the purpose of providing these services
We will not disclose nonpublic, personal information about former members beyond the point at which membership terminates, except as provided by law. Personally identifiable information for formers users can be deleted by using our Secure Mail option or by directly contacting AccountLink Services, toll free at 866.272.2228. Also, you may send a written request via US Postal Service to the following address: AccountLink Services, PO Box 15950, Lenexa, KS 66285-5950.

Online Security Statement

Effective May, 2002

Unauthorized Online Banking Transactions
Notify us immediately if you suspect that someone has fraudulently enrolled your account(s) in AccountLink, obtained your online banking password, accessed your account information, attempted to make changes to your account(s), to your account information or has made transactions against your account(s). You may report suspected fraudulent activity by calling AccountLink Services, toll-free at 866.272.2228 between 7:30am and 6:00pm CST, by using the Secure Mail option within AccountLink, or by sending an email to contactus@cacu.com. Taking immediate action is the best way to minimize your losses due to fraudulent activity.

How We Protect You
CommunityAmerica Credit Union and division Yellow Financial (hereafter referred to collectively as ‘The Credit Union’ will employ a security program of suitable physical, electronic, and managerial procedures to ensure the safety and confidentiality of your records, protect against anticipated threats or hazards to the security or integrity of such records, and protect against unauthorized access to or use of such records that could result in substantial harm or inconvenience to you.

• The Credit Union’s network is secured by multiple firewalls, 128 bit SSL encryption and an Intrusion Detection System. We monitor our network 24 hours a day, 7 days a week, 365 days a year.

• The Credit Union’s servers have been enabled with Secure Sockets Layer (SSL) technology to prevent unauthorized parties from viewing nonpublic personal information that you provide or access during a secure session. While on a secure page, such as AccountLink, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open when you are just ‘surfing’ non-secure sites. You may review the security levels of any page by clicking the Properties button on your Internet browser. When you enter sensitive information (such as account numbers, passwords and/or social security numbers), it is encrypted (128 bit-the highest form of Internet transaction security and encryption) and protected by the best encryption software in the industry. To learn more about SSL, follow this link: http://www.verisign.com/.

• The information you provide during the AccountLink enrollment process is verified against your existing information in our banking database. If the information is not consistent, your enrollment will be denied and you must contact AccountLink Services, toll free at 866.272.2228, for further assistance

• For additional security you will be denied access to your account after 3 unsuccessful log in attempts. If this occurs you may contact AccountLink Services, toll free at 866.272.2228 at which time they will verify your identity and unlock your account, enabling you to log on using the correct User ID and password.

• AccountLink features automatic session time-out. To preserve your privacy, you will be logged off automatically when you have been inactive for a period of time. The default time-out is ten minutes, however from within AccountLink, under the Preferences tab, you can select any time-out setting between three and 10 minutes. If your session times out, you will need to log on again for secure access to your private information.

• We recommend periodically changing your AccountLink password, this can be done prior to logging into AccountLink or from within AccountLink, by clicking on the Preferences tab.

• All of our member information is restricted within our offices. Only employees who require the information to perform a specific task (for example, a customer service representative) are granted access to personally identifiable information. While we use SSL encryption to protect sensitive information displayed or transmitted during an AccountLink session, we also encrypt all information stored on or transmitted between our in-house online banking servers.

• Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Regularly, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our customers’ information is protected.

• If you have any questions about the security of our website, you can send an email to contactus@cacu.com

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