Privacy Policy

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FACTS	WHAT DOES CFCU 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 depend on the product or service you have with us. This information can include: Social Security number and Account Transactions Account Balances and Employment Information Payment History and Wire Transfer Information
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 CFCU chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does CFCU 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	No	We don't share
For joint marketing with other financial companies	No	We don't share
For our affiliates’ everyday business purposes — information about your transactions and experiences	No	We don't share
For our affiliates’ everyday business purposes — information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	Yes	Yes

To limit our sharing

Call 269-684-6005 — our menu will prompt you through your choice(s)
Visit us online: www.circlefcu.org
Mail the form below:

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 269-684-6005 or go to www.circlefcu.org

Mail-in Form

Mark any/all you want to limit:

_____ Do not share my personal information with nonaffilites to market their products and services to me.

Name
Address
City, State, Zip

Mail To:

Circle Federal Credit Union
507 E. Main Street
Niles, MI 49120

Who we are
Who is providing this notice?	CFCU which means Circle Federal Credit Union

What we do
How does CFCU 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 and secured files and buildings. We also limit access to information to those employees for whom access is appropriate.
How does CFCU collect my personal information?	We collect your personal information, for example, when you Open an account or Give us your contact information Apply for financing or Pay us by check Provide account information 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.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. CFCU has no affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include insurance companies.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. CFCU doesn't jointly market.

Other important information
No other information

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