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:
- Social Security number
- Payment history
- Transaction history
- Credit history
- Account transactions
- When you are no longer a member, we continue to share your information as described in this notice.
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 CrossPoint FCU chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
For our everyday business purposes such as:
- To process your transactions,
- Maintain your account(s),
- Respond to court orders and legal investigations,
- Report to credit bureaus
Does CrossPoint FCU share? Yes.
Can you limit this sharing? No.
For our marketing purposes
- To offer products to you
- To offer services to you
- Respond to court orders and legal investigations
- Report to credit bureaus
Does CrossPoint FCU share? No.
Can you limit this sharing? We don’t share
For joint marketing with other financial companies
Does CrossPoint FCU share? Yes.
Can you limit this sharing? No.
For our affiliates everyday purposes
- Information about your transactions and experiences
- Information about your credit worthiness
Does CrossPoint FCU share? No.
Can you limit this sharing? We don’t share
For non-affiliates to market you
Does CrossPoint FCU share? No.
Can you limit this sharing? We don’t share
Who We Are
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Who is providing this service
CrossPoint FCU means CrossPoint FCU Federal Credit Union.
What We Do
How does CrossPoint FCU collect 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.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does CrossPoint FCU protect my personal information?
We collect your personal information, for example, when you
- Apply for a loan
- Use your credit or debit card
- Make deposits or withdrawals from your account
- Give us your contact information
- Show your driver’s license
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
- Sharing for affiliates’ everyday business purposes – information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
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 non-financial companies.
- CrossPoint FCU has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
- CrossPoint FCU does not share with nonaffiliates so they can market to you
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include CUNA Mutual and auto retailers.