PRIVACY NOTICE

Revised 7/2014

FACTS: WHAT DOES CHARTER OAK FEDERAL CREDIT UNION 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 depends on the product or service you have with us. This information can include:

  • Social Security Number and income
  • Account balances and payment history
  • Account transactions and credit card or other debt

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 Charter Oak Federal Credit Union chooses to share; and whether you can limit this sharing. 


Reasons we can share your personal information  Does Charter Oak Federal CU 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
Yes No
For joint marketing with other financial companies  Yes No
For our affiliates’ everyday business purposes -
Information about your transactions and experiences
No We do not share.
For our affiliates’ everyday business purposes -
Information about your credit worthiness
No We do not share.
For our affiliates to market to you  No We do not share.
For non-affiliates to market to you  No We do not share.

Questions? Call us at 860.446.8085, 800.962.3237, or visit us online at CharterOak.org.
We are located at 1055 Hartford Turnpike, Waterford, CT 06385

Who we are  
Who is providing this notice? Charter Oak Federal Credit Union and our affiliate, SCCT LLC 
What we do  
How does Charter Oak FCU 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, as well as secured files and buildings. Charter Oak regularly tests and assesses its information security measures, systematically trains employees, and adopts upgrades and enhancements as necessary in order to protect your information.
How does Charter Oak FCU collect my personal information? 


We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card 
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 credit worthiness

  • affiliates from using your information to market to you

  • sharing with non-affiliates 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 nonfinancial companies.

  • SCCT LLC 

Non-Affiliates


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

  • Charter Oak FCU does not share with non-affiliates so they can market to you

Joint Marketing


A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include investment, insurance and other financial services companies

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