Privacy Policy

FACTS - WHAT DOES CIVIC FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

REV: 7.23

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 balances
Credit history and credit scores
Income and payment history

When you are no longer our 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 Civic Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Civic Federal Credit Union 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 to report to credit bureaus	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	Yes
For joint marketing with other financial companies	No	We don't share
For our affiliates’ everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

To limit our sharing:

Call 844-772-4842 — Our menu will prompt you through your choices, or visit us online at www.civicfcu.org.

If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, 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 844-772-4842 or email memberservices@civicfcu.org.

What We Do
How does Civic Federal Credit Union 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.
How does Civic Federal Credit Union collect my personal information?	We collect your personal information, for example, when you: Open an account or deposit money Pay your bills or use your credit or debit card Apply for financing 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 Sharing for affiliates to market to you Sharing for nonaffiliates to market to you State law and individual companies may give you additional rights to limit sharing.

What We Do

How does Civic Federal Credit Union 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.

How does Civic Federal Credit Union collect my personal information?

We collect your personal information, for example, when you:

Open an account or deposit money
Pay your bills or use your credit or debit card
Apply for financing

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
Sharing for affiliates to market to you
Sharing for nonaffiliates to market to you

State law 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. Our affiliates include companies with a Civic Trustee LLC name; financial companies, such as Local Government Federal Credit Union; and others, such as LGFCU Financial Partners LLC and LGFCU Trustee LLC.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Civic Federal Credit Union does not share with our 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. Civic Federal Credit Union does not jointly market.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include companies with a Civic Trustee LLC name; financial companies, such as Local Government Federal Credit Union; and others, such as LGFCU Financial Partners LLC and LGFCU Trustee LLC.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Civic Federal Credit Union does not share with our 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.

Civic Federal Credit Union does not jointly market.

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