Privacy Policies

Overview

CCU ("CCU," "we," "our," or "us") is committed to protecting the privacy, confidentiality, and security of our members' information. This page describes how CCU collects, uses, maintains, protects, and discloses information obtained through our website, digital banking services, mobile applications, online forms, communication platforms, member interactions, and related financial products and services. By accessing or using CCU's services, websites, communication platforms, or digital tools, you acknowledge and agree to the practices and disclosures described in these Terms and in the Privacy and Communications Policies.

Information Collected

CCU may collect personal, financial, transactional, technical, and communications-related information necessary to provide financial products and services, support members, prevent fraud, manage operations, and comply with applicable regulations. Such information may include names, mailing addresses, email addresses, landline and mobile phone numbers, government-issued identifiers, account information, transaction history, loan and credit information, device identifiers, IP addresses, browser information, login activity, website interaction information, communication records, and other information voluntarily provided to CCU in connection with financial services or member interactions.

Information collected by CCU may be used to establish and maintain accounts, process transactions, authenticate identities, support loan and service operations, facilitate communications, respond to member inquiries, improve operational performance, analyze website and service functionality, detect fraud or unauthorized activity, comply with legal and regulatory obligations, enforce contractual rights, and support other legitimate business purposes permitted by applicable law. CCU may also maintain records of communications, transactions, website interactions, and service activities for quality assurance, compliance review, training, dispute resolution, operational support, and fraud prevention purposes.

CCU does not sell its members' personal information in exchange for money. CCU may share information with authorized service providers, vendors, contractors, technology platforms, analytics providers, communications providers, payment processors, advertising partners, and operational support providers, as reasonably necessary to operate CCU's services, facilitate transactions, provide communications, support website functionality, improve service delivery, comply with applicable law, prevent fraud, and support legitimate operational or business functions. Such providers are contractually required to safeguard the information and may only use it for authorized business purposes, in accordance with applicable privacy and security requirements.

CCU maintains physical, technical, administrative, and procedural security measures designed to protect personal information in accordance with applicable federal and state laws and regulatory standards. However, no system, website, network, wireless transmission, or electronic communication method can be guaranteed to be completely secure or uninterrupted.

Privacy of Information in Electronic and Mobile Communications

By voluntarily providing their contact information to Christian Credit Union, members authorize CCU and its authorized service providers to communicate through electronic means, including phone calls, prerecorded or automated communications where permitted by law, SMS/text messages, MMS messages, email communications, online banking messages, digital communication platforms, live chat systems, and other electronic communication methods related to accounts, applications, transactions, fraud prevention, operational support, customer service interactions, appointment reminders, account administration, and occasional promotional communications.

CCU may collect and retain mobile phone numbers, device-related information, communication preferences, SMS/MMS message history, delivery confirmations, authentication records, call recordings, chat interactions, support communications, and related interaction data when members communicate with CCU through mobile devices, text messaging platforms, online banking systems, applications, or related digital communication channels. Such information may be used to facilitate authentication and verification services, provide loan and application updates, support customer service interactions, send operational or account-related notifications, provide fraud and security alerts, maintain communication records, improve service delivery, monitor and prevent unauthorized activity, comply with legal and regulatory obligations, and support CCU's internal operational and business functions.

CCU may send text messages (SMS) related to authentication codes, loan and application updates, appointment reminders, customer service conversations, operational support communications, fraud and security notifications, account-related alerts, and occasional promotional communications. Conversational messaging functionality may be available only through CCU's designated departments or authorized communication channels. Message frequency may vary depending on member activity, communication preferences, account activity, service requests, and interactions with CCU. Message and data rates may apply according to your mobile carrier's plans and service agreements.

CCU does not sell, rent, or share consumers' mobile phone numbers with third parties or affiliates for marketing or promotional purposes. CCU may share mobile phone numbers, message content, communication records, delivery information, and related messaging data solely with authorized service providers, carriers, aggregators, platform providers, and technology vendors, as necessary to facilitate, deliver, support, protect, monitor, and maintain SMS/MMS communications and related services on CCU's behalf. Such providers are contractually required to protect the confidentiality and security of members' information and are prohibited from using such information for their own marketing, advertising, or unrelated business purposes. Text message sender consent data, consent records, and related authorization information will not be shared with third parties, except as necessary to provide the messaging service, enforce CCU's legal rights, prevent fraud or unauthorized activity, comply with applicable law, regulation, subpoena, court order, or governmental request, or as otherwise permitted or required by law.

Members may unsubscribe from SMS communications at any time by replying STOP to any text message or by contacting CCU directly at 1-800-343-6328. For help, reply HELP. After unsubscribing, members may receive a final confirmation message acknowledging the request.

Text messages and mobile communications may not be secure and could be intercepted, delayed, accessed, or viewed by unauthorized persons or persons with access to a member's mobile device. Members should not transmit, and CCU representatives will never request through SMS or MMS messages, passwords, authentication or verification codes, Social Security numbers, full account numbers, debit or credit card PINs, online banking credentials, or other highly sensitive personal or financial information. If a member receives a text message requesting such information, they should immediately discontinue the communication and contact CCU directly through secure or official communication channels.

California Privacy Rights

California residents may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to request access to personal information collected by CCU, request deletion or correction of information that meets applicable requirements, and request additional information about CCU's practices regarding the collection, use, disclosure, and sharing of data. CCU may collect various categories of information, such as identifiers, financial information, internet activity information, communication records, device information, geolocation information, and sensitive personal information necessary to provide financial services and support business operations.

While CCU does not sell personal information in exchange for money, certain digital advertising technologies, analytics services, cookies, pixels, and related web technologies may constitute "sharing" of information under applicable California law for purposes such as web analytics, advertising measurement, audience analysis, or service optimization. California residents may submit privacy requests through the following form:

California Privacy Request Form

or by contacting CCU directly at 1-800-343-6328.

Mailing address:

United States Christian Credit Union

Attention: Privacy

2100 E. Route 66 Suite 100

Glendora, CA 91740

Digital Technologies and Website Monitoring

CCU's websites, online banking services, digital platforms, advertisements, and communication systems may use cookies, tracking technologies, analytics tools, pixels, session replay technologies, device identifiers, and related digital technologies to support website functionality, fraud prevention, system security, advertising performance measurement, analytics, communications delivery, service optimization, and improvement of the user experience. These technologies may collect information related to browser activity, device characteristics, website usage patterns, interaction history, referring websites, approximate geolocation information, and related technical or diagnostic data.

CCU may use technologies or services provided by third parties, including analytics providers, advertising platforms, communications providers, and related service providers, in connection with website operation, digital communications, and service delivery. Users may manage certain browser, cookie, or tracking preferences through browser settings, device privacy settings, or applicable website tools. Disabling certain technologies may affect website functionality or service availability.

Security and Fraud Prevention

CCU maintains security programs, monitoring systems, authentication controls, fraud prevention technologies, and operational measures designed to protect members' information, accounts, communications, and transactions against unauthorized access, misuse, disclosure, alteration, or destruction. CCU may monitor transactions, communications, devices, login activity, digital interactions, and account activity to identify, investigate, prevent, or mitigate fraud, suspicious activity, identity theft, cybersecurity incidents, or unauthorized access attempts.

Members are responsible for protecting their access credentials, maintaining the security of their personal devices, monitoring their account activity, and promptly reporting unauthorized transactions or suspicious communications. CCU representatives will never request passwords, authentication codes, Social Security numbers, or online banking credentials through unsecured communication channels such as SMS or email.

Phone calls, SMS communications, online chats, and other interactions with CCU may be monitored or recorded for quality assurance, regulatory compliance, fraud prevention, security monitoring, training, and operational purposes.

Accessibility Statement

CCU is committed to providing accessible digital experiences for all individuals, including those with disabilities. CCU works continuously to improve its website usability, accessibility standards, and digital functionality, in accordance with applicable accessibility laws and recognized accessibility guidelines. Individuals who experience accessibility barriers or need assistance accessing digital content or services may contact CCU directly at 1-800-343-6328 for assistance.