Privacy Policy - Clark County Credit Union, Las Vegas, NV

Privacy and Security 

Clark County Credit Union values the privacy of our members. You have chosen to do business with us, and we recognize our duty to keep the information you provide to us secure and confidential. We believe that all personal and financial information specific to you that you provide to the Credit Union through any channel constitutes personal information. Protecting your privacy, along with your financial assets, is at the core of our business.

 

 

Privacy Policy

WHAT DOES CLARK COUNTY CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
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 types of information we collect and share depend on the product or service you have with us. This information can include:

• Social Security Numbers and Account Balances;
• Account Transactions and Credit History;
• Payment History, Transaction or Loss History;
• Checking Account Information

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 Clark County Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information. 

Does Clark County Credit Union share?

Can you limit my sharing?

For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, and 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 Yes No
For our affiliates' everyday business purposes - information about your creditworthiness No Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don't share

 

To limit our sharing:

• Call (702)228-2228 - our menu will prompt you through your choice(s) or
• Visit us online: www.ccculv.org/contact-us

Please note: 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 (702)228-2228 or go to www.ccculv.org/contact-us

How does Clark County 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. We maintain physical, electronic and procedural safeguards to guard your nonpublic personal information. We restrict access to nonpublic personal information about you to employees who need to know that information.

How does Clark County Credit Union collect my personal information?
We collect your personal information, for example, when you:

• Open an account or apply for a loan;
• Use your credit or debit card or give us your contact information;
• Make deposits or withdrawals from your account;
• Enable Locations on the mobile app.

We 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.

• Our affiliates include Nonfinancial companies such as: auto brokerage services.

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

• Clark County 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.

• Our joint marketing partners include insurance companies and investment securities companies.

Online Privacy Practices

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 maintain physical, electronic and procedural safeguards to guard your nonpublic personal information. We restrict access to nonpublic personal information about you to employees who need to know that information.

We also recognize the importance of protecting privacy where children are involved. Our Sites and Mobile Apps are not marketed to individuals under the age of 13, and we request that these individuals do not provide personal information through our Sites and Mobile Apps. We do not knowingly collect personal information from children under 13.
We collect personal information about you through your computer or mobile devices by the use of cookies and similar tracking technologies as well as personal information you provide when you visit or use our Sites and Mobile Apps, for example when you:

• Apply for or open a new account
• Register for a new product or service, or request information about a product or service

The personal information we collect is limited to what is required to provide our products or services and to support legal and risk requirements.

Types of personal information we collect online
The type of personal information we collect from and about you online will depend on how you interact with us and may include:

• Contact Information such as name, mailing address, email address, telephone and mobile number(s)
• Account Application information such as credit and income information
• Identifiers such as social security number, account number(s), driver's license number (or comparable) or other information that identifies you for ordinary business purposes
• Access Authorization such as user name, alias, PIN and password and security questions and answers
• Information from your computer and mobile devices where allowed by individual browsers and/or operating systems, such as:

o Unique device identifiers (for example Media Access Control (MAC) and Internet Protocol (IP) addresses)

o Browser type, version, language, and display/screen settings
o Geolocation information with consent (for example ATM or financial center location, fraud prevention)

Cookies

In order to provide optimal security, performance and reliability, this service requires that cookies be enabled on your web browser. Cookies are a small piece of information that a web server can store on your browser so the system recognizes your actions during a session.

As you browse the internet, some cookies are "set" on your Web browser. For example, cookies are used to store preferences you have requested on frequently visited websites. When you close your browser, some cookies are stored in your computer's memory in a cookie file, while some expire immediately. All cookies have expiration dates.

Cookies cannot be used to obtain data from your computer, get your e-mail address or access sensitive or personal information. The only way that any private information could be part of your cookie file would be if you personally provided that information to a website. Also, each cookie can only be read at the site where the cookie was created.

Surfing Safely and Securely

Clark County Credit Union is committed to providing you with an enjoyable online experience. Clicking through our website will provide you with comprehensive information on our financial products and services, as well as ensure that the privacy and security of your personal information is protected.

How Secure Is Clark County Credit Union's Online Banking?

Clark County Credit Union uses technology that encrypts or disguises all information during your Clark County Credit Union online session. If someone were to intercept your data, it would be meaningless and impossible to read or change.

To ensure that your information is secure at all times, Clark County Credit Union runs Mobile Banking on a secure server utilizing TLS encryption.

To ensure that your information is secure at all times, Clark County Credit Union runs Online Banking on a secure server utilizing SSL encryption.

What is Transport Layer Security (TLS) encryption?

TLS encryption technology emerged as the industry standard for securing data while it travels across the Internet. TLS is used worldwide in online stores, credit unions, banks, and an all other Web sites where information from an individual needs to be kept confidential.

What is Secure Sockets Layer (SSL) encryption?

SSL encryption technology emerged as the industry standard for securing data while it travels across the Internet. SSL is used worldwide in online stores, credit unions, banks, and an all other Web sites where information from an individual needs to be kept confidential.

Your information is guaranteed confidentiality through the encryption or scrambling process and cannot be decrypted by anyone but you. If an encrypted message is somehow intercepted, it will be unreadable by the third party.

Third-Party Links

Clark County Credit Union does not endorse or guarantee the products, information, or recommendations provided by linked sites. Clark County Credit Union is not liable for any failure of products or services advertised on linked sites. Third-party websites may provide less online security than the Clark County Credit Union website. And further, each third-party link may have a privacy policy different than your Credit Union; thus we encourage you to review each privacy policy for your own protection. Clark County Credit Union does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness or reliability of their information.

Geolocation Data

Clark County Credit Union may collect, use, and share data depending on the products and services that you have with us. CCCU may need to use and share your personal information to provide those services. This includes contact information, which we sync to help you find contacts for optional payment service, and geolocation information, which may aid in the prevention of fraudulent transactions. It also includes your banking, payment, and transaction information. Federal law gives consumers the right to limit some, but not all sharing. State and Federal laws also require us to tell you how we collect, share and protect your personal information.

Access to Mobile Phone Functions

CCCU Mobile Banking offers additional products or services that may require access to functions of mobile phones listed below. Permission must be granted and may be revoked by accessing the product or service settings. Revocation of access may limit product or service accessibility.

Permissions

Function

Example

CAMERA Allows access to the device’s camera Mobile Remote Deposit
LOCATION Allows access to location Maps
ACCESS TO EXTERNAL STORAGE Allows access to files/media on the device Secure Message Attachments
CONTACTS Allows access to contacts on the device Person to Person Payments Recipient List

 

Keeping Your Information Secure

Keeping your financial information secure is one of our most important responsibilities. We value your trust and handle your information with care. Our employees access information about you when needed to maintain your accounts or otherwise meet your needs. Our policies and procedures emphasize the importance of keeping our members' information confidential. We protect information according to established security standards and procedures, and we continually assess new technology for protecting information.

Working to Meet Your Needs Through Information

In the course of doing business, we collect and use various types of information, such as information we receive from you on applications or other forms; information about your transactions with us, our affiliates, or others; and information we receive from a consumer reporting agency. We may also access information about you, such as credit reports, when considering a request from you for additional services or when exercising our rights under the law or any agreement with you.

Keeping Information Accurate

Keeping your account information accurate and up to date is very important. We have established procedures so that your financial information is accurate, current and complete. If you ever find that your account information is incomplete, inaccurate or not current, please call or write us at the telephone number or address listed on your account statement. We will correct any wrong information as quickly as possible.

How and Why Information is Shared

We limit who receives information and what type of information is shared. We share information with the goal of bringing you greater convenience and more choices.

Sharing Information with Credit Union Affiliates

The Credit Union is affiliated through full or partial ownership with various service organizations. All of these companies are dedicated to working together to provide the products and services that you want. All of these companies meet the same stringent requirements to protect your privacy as the Credit Union.

We may also share information from your applications with other companies that assist us in providing an array of services, such as check printing, investments and insurance, and data processing companies. These companies might, for example, assist us in offering you certain products and services or help us mail statements. These companies act on our behalf and are required to keep the information that we provide to them confidential.

We do not sell our member lists to catalogs, direct mail companies, magazines or other non-financial service providers.

Other

Information may be exchanged with credit bureaus and similar organizations, provided when legally required or permitted, or in connection with a fraud investigation.

If we receive a subpoena or similar legal process demanding release of any information about you we will generally attempt to notify you unless we believe we are prohibited.

We do not collect personal identifying information about visitors to our Internet site. Individual visitors to the Credit Union's web site remain anonymous. Our servers collect standard non-identifying information about visits to the site, such as date and time visited, IP address, city, state, and country. This information is used to compile standard statistics on site use. Please note that since we cannot control information on other Internet sites, we are not responsible for the content of sites linked from our Web site.

Opt-Out Process

We believe you should have the right to decline disclosure of personal information that is collected on our databases. The records for those individuals who request that their personal information not be used for future mailings or phone calls will be marked in our database so that their names will be excluded from any contact in the future.

This will exclude the member's name from all direct mail campaigns and any phone research or telemarketing campaigns from the Credit Union or its companies.

Request for Removal from Special Mailing Lists

The Credit Union and companies affiliated with the Credit Union are permitted by law to share among one another any information about the transactions or experiences with you. If you do not wish the Credit Union to share information, except as permitted by law; please send your request to

Clark County Credit Union
P.O. Box 36490
Las Vegas, NV 89133.

Please keep in mind that if you choose to remove your name from our database, you may no longer be able to receive some of the limited special offers available only to existing Credit Union members. Please note that your request for removal will only apply to information shared in order to make promotional offers to you.

Our Privacy Policies may change from time to time, so please check our Web site or with any Credit Union branch for the most updated version.

Web Security

CCCU takes measures to protect your privacy and security while using our website. The following practices are part of our efforts to protect your funds and identity:

  • Visitors to the CCCULV.org remain anonymous. We do not collect personal identifying information about our visitors to our site.
  • We use your IP address to help diagnose problems with our server, and to administer our website. Our servers collect standard identifying information about visitors to the site, such as date and time visited, IP address, city, state, and country. This information is used to compile standard statistics on site usage.
  • We use cookies for our loan calculators, as well as to deliver content specific to your interests.
  • If you have provided identification (such as name and address) via email or information request forms, the information will only be used to communicate with you to handle your request. It is not sold or transferred to other parties unless required by law or court order.
  • This site contains links to other websites. We are not responsible for the practices or the content of such websites.
  • We caution you to avoid transmitting confidential information over the Internet, unless the transmission is done within a secured area. Neither online applications nor email messages are secure communication channels.
  • CCCU reserves the right to change or amend its Privacy and Confidentiality policy at any time by posting a new privacy policy.
  • Information sent through email is not secure. Please do not send confidential information (account number, social security number, PIN number,etc.) through email.

Contacting CCCU

If you have questions about this privacy statement, the practices of this site, or your dealings with this website, please contact:

Clark County Credit Union
PO Box 36490
2625 N Tenaya Way
Las Vegas, NV 89133-6490

702-228-2228

If you prefer to communicate through email, contact service@ccculv.com. Please note that information sent through email is not secure. Please DO NOT SEND CONFIDENTIAL INFORMATION (account number, social security number, PIN number, etc.) through email.

 

Up Arrow

Expand toolbar