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Privacy Policy

FACTS: WHAT DOES CES 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 depend on the product or service you have with us. This information can include:

  • Name and address, Social Security numbers, Account number(s) and transactions, advances and account history.
  • Information to process transactions on your behalf, conduct the operations of the credit union, and to provide you with certain financial services and opportunities.

HOW?

All financial companies need to share certain personal information to run their everyday business. In the section below, we list the reasons financial companies (including CES Credit Union) can share their members’ personal information; the reasons CES Credit Union chooses to share; and whether you can limit this sharing.

WHO WE ARE:

Who is providing this notice?

CES Credit Union, Inc., P.O. Box 631, Mount Vernon, OH 43050 (with centers located in Coshocton, Delaware, Loudonville, Mount Vernon and Utica, Ohio.)

WHAT WE DO:

How does CES 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.

CES Credit Union will only share information with affiliates that have been approved by the Board of Directors of CES Credit Union.

How does CES Credit Union collect my personal information?

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

  • Apply for membership or provide information on applications and other forms
  • Conduct transactions with us or others
  • Have information we may obtain from a consumer reporting agency, or from consumer purchasing and census data.
  • We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance.  For your convenience, you may be asked to grant permission for access to your mobile device’s geolocation data.  This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transaction)
  • The mobile application may require access to the contact list on your mobile device in order to facilitate certain features within the application including, but not limited to, Bill Pay.
Reasons we can share your personal information Does  CES 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 products and services to you YES NO
For joint marketing with other financial companies YES YES
For our affiliates’ everyday business purposes – information about your transactions and experiences YES NO

Why can’t I limit all sharing?

CES Credit Union does not sell member information. In accordance with Federal law, CES does
share information for affiliates’ everyday business purposes including some
information about your creditworthiness. You may limit affiliates from using your information
to market to you, and sharing your information to non-affiliates 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?
All of the account information is limited, including the joint account-holder’s information.

DEFINITIONS

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.

Non-affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. This may include (but is not limited to) data processors, statement processors and printers, and other processors providing services such as shared branching, ATM, Debit Card and services.

Joint marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. CES Credit Union offers competitive products and services which may require sharing information to complete your transactions.

To Limit Our Sharing

Call us at (740) 397-1136, or toll-free at (888) 397-1136, and request to opt-out of sharing, (If you leave a message, include name and account number or numbers, or email this information to marketing@cescu.com.) Please note: If you are a new member, we can begin sharing your information on the day you receive this notice. When you are no longer a member, we continue to share your information as described in this notice. However you may contact us at any time to limit our sharing. QUESTIONS? Call us at (740) 397-1136 or toll-free at (888) 397-1136.

Employees and Confidentiality

CES Credit Union, Inc. restricts access to nonpublic personal information about you to only those employees who have a specific business purpose for using it. Our employees are trained on the importance of maintaining confidentiality and member privacy. We maintain electronic and physical safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

What Members Can Do to Help?

CES Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

  • Protect your account numbers, plastic card numbers, PINs (personal identification numbers), or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen. Choose your PIN carefully, and avoid using a PIN related to your address, DOB, telephone number or SSN.
  • Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls or texts you explaining the call is on behalf of the Credit Union and asks for your account number, you should beware. Official Credit Union staff will have access to your information and will not need to ask for it.
  • Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you quickly. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately (but we will not be asking for your card or account information).
  • If you will be traveling for an extended period, or traveling out- of-state or out-of-country, please let us know. This may help explain unusual or out-of-the-ordinary transactions on your account or card with us.
  • Occasionally, our fraud detection service may call you regarding a specific transaction where your card was used. You may be asked to confirm a merchant/vendor and transaction dollar amount (ie “ABC Airlines for $488.66”) to determine if the transaction is a valid one. But again, you will not be asked to give specific account or card information.
  • Let us know if you have questions. Please remember to not give any personal information to anyone you question has a legitimate reason to obtain that information. Call us on our published number if you are unsure.

Protecting the Privacy of Children’s Information

Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market any service or product to children online. We recognize that protecting children’s identities and online privacy is important, and that the responsibility rests with us and the parents.