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 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

WEBSITE PRIVACY NOTICE

Online Security

Make sure you are on a secure site before entering your user name, password or other personal or financial information when using this website. The address of a secure site begins with “https,” rather the “http.” It is okay for the home page to begin with “http,” but the login page URL for Online Banking and other sites where personal information is entered will begin with “https.” To verify that a site is secure, you can read the Security Certificate details by clicking on the padlock that appears in the address bar. View the Certificate and make sure it matches the site.

Unauthorized Access

This is the official Charter Oak Federal Credit Union Website. All information is proprietary and any unauthorized use, access, distribution, or copying is strictly prohibited. All rights reserved. Charter Oak Federal Credit Union, 2017. Any unauthorized use or access to this website will be reported to local, state and federal agencies including the Federal Bureau of Investigation. Any information relating to the misuse or unlawful access of this site should be reported to Charter Oak Federal Credit Union’s Security Officer at 860.446.8085.

Aggregated Data

In order to determine the level of interest in information available on our website and help us design or improve our products and services, we may use standard software to collect information about visitors to the website and use such information to create summary statistics. This information is maintained only in aggregated form and cannot be used to identify you. The information we collect and use from the website may include:

  • Date and time our site was accessed
  • IP address (a numeric address given to servers connected to the Internet)
  • Web browser use
  • City, state, and country

“Cookies”

We use “cookies” as part of our website interface. A “cookie” is a small file that is placed on the user’s computer. While it contains no member information, it identifies the member’s computer and allows Charter Oak to measure usage of the website and customize the website experience.

Links

Charter Oak will occasionally link to other sites as a convenience to our members. We will seek to link with other sites that adhere to similar privacy standards. For all third-party links, Charter Oak will disclose the following information, typically in a pop-up message that requires acceptance before continuing:

  • The user is leaving our website.
  • The user is linking to an alternate website not operated by Charter Oak.
  • We are not responsible for the content of the alternate website.
  • We do not represent either the third party or the user/member if the two enter into a transaction.
  • Privacy and security policies may differ from those practiced by Charter Oak.

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