Privacy Policy

Community Resource Credit Union

WEBSITE AND MOBILE APP PRIVACY POLICY

Community Resource Credit Union is committed to safeguarding our members personal information by practicing responsible information sharing & utilizing strict security measures. Our website & mobile app privacy policy outlines the type of information we collect, how it is used, and in what types of situation we share certain information with other parties. The privacy policy is furnished to our members annually and can be viewed anytime by visiting CRCU Privacy Policy.

This Online Privacy Statement applies to CRCU’s webpages, CRCU-branded social media sites, mobile applications, digital banking applications, and digital advertising campaigns, collectively referred to as a “digital property.”

The terms “CRCU,” “we,” “our,” or “us” refers to Community Resource Credit Union and any affiliates or subsidiaries based in the United States.

Information collected by Community Resource Credit Union during the application for or servicing of one of our products or services are also governed by CRCU’s Privacy and Opt-Out Notice. Please reference that document for additional details on our privacy practices.

CRCU is a United States-based financial cooperative serving a U.S.-based target market. Our web and digital properties do not intentionally target children under the age 13 without parental consent. In addition to the privacy practices described within this statement and the CRCU Privacy and Opt-Out Notice, social media sites may have their own privacy policies that you should understand prior to using their services to interact with CRCU on those sites.

Information Collection

When using an CRCU digital property we may collect three categories of information about you.

Personal Information: We may collect personally identifiable information about you such as your name, address, phone numbers, email address, or other information that identifies you. This includes information you provide via applications, forms, subscriptions, contest entries, or other means of collection.

Non-public Information: Through your interactions with us, such as applying for a product or service, we may collect non-public information about you such as your Social Security number, tax identification number, driver’s license number, income, CRCU username, occupation, or other types of non-public information.

Online Behavior: We may collect information about the Internet Protocol (IP) address of the device(s) you use to access CRCU’s digital properties; your operating system and browser type; referral website information; your digital property usage and page views; your social media preferences (e.g. likes, interests, profile, etc.); your geolocation; and aggregate or non-personally identifiable information.

These categories of information may be collected by CRCU, or by our third party service providers, through use of various technologies, such as cookies, web beacons, pixel tags, or other technologies, to associate your online use of our digital properties and/or with offline personally identifiable information.

We may use information collected from an CRCU digital property to acquire additional information about you from our marketing partners or service providers. For example, when you submit an application for membership or for a financial product or service, we may use the Social Security number you provided online to access a consumer report which may contain a credit score and information about your creditworthiness to determine if you meet our underwriting guidelines.

When interacting with CRCU on a digital platform that is not owned by CRCU such as a social media site, never include sensitive personal or non-public information. Communications with CRCU about your application, membership, and accounts with us should only take place in a secure CRCU channel such as CRCU Online Banking or Mobile Banking or by phone with a Virtual Call Center employee. Social media sites are not an appropriate place to conduct or discuss your financial transactions.

Information Usage

We may use the information we collect online and that which we pair it with offline to:

market our products and services or those of our trusted partners
any production interaction used within our Online & Mobile Banking apps
tracking UserID used for identifying a user and sending marketing campaigns
location – used for geofencing and beacon scanning essential for advertising / marketing campaign delivery
make a decision about your application for a product or service
service, manage, or collect on your account
offer special deals or promotions
process transactions initiated by you
verify your identity or information you provided on an application
perform everyday business tasks such as data analytics, digital property experience optimization, fraud prevention, security enhancements, or product and service improvements
respond to your questions or inquiries
comply with federal, state, or local laws; civil, criminal, or regulatory investigations; or other legal requirements
share with our affiliates or trusted third parties in accordance with the practices described in our Privacy and Opt Out Notice
aggregate or anonymize data for analytical purposes

Information Disclosure

Community Resource Credit Union may disclose all of the information collected, as described above, to companies that perform marketing services on behalf of CRCU or to other vendor / institutions with which CRCU has joint marketing or other contractual agreements. CRCU may also disclose nonpublic personal information about its members under other circumstances as permitted or required by law and as described in our Privacy and Opt Out Notice.

Information Security

CRCU restricts access to non-public personal information about its members to CRCU employees and approved third parties working on our behalf who have a specific business purpose in utilizing member data. CRCU employees are trained in the importance of confidentiality and member privacy by maintaining physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard members' non-public personal information.

Use of Online Technologies to Collect Information

CRCU may use technologies to store information on your computer when you visit the Community Resource Credit Union website. For example, cookies may be used within CRCU website to enhance website security, improve website effectiveness, tailor the sites to your individual preferences, and improve our marketing campaigns.

Cookies are a string of data sent between a server and a web browser to help track how you are using our websites and improve your online experience. Cookies are not used to retrieve any data from your hard drive, nor can they run a program on your computer. CRCU uses cookies to help protect your accounts from being accessed by unauthorized users, to maintain session integrity, and to enable enhanced security. Cookies are also used to help us understand your interests and needs so we can provide you with a customized digital experience.

A pixel tag, also known as a web bug in an embedded image, is an invisible tag placed on a webpage to register when a particular computer visits that specific page. These tags and beacons are used in combination with cookies. CRCU places these on its web properties and in online advertisements to better personalize your experience with CRCU and to understand aggregate website usage and patterns.

Accepting Cookies. Most web browsers automatically accept cookies. If you do not wish to receive cookies, refer to your browser's online help for further instructions and information on setting cookie preferences. If you turn off cookies, you may not be able to use some CRCU’s Online Banking features.

Third-Party Websites. The CRCU web properties may direct you to other sites on the Internet to provide additional information or services that may be of interest to you. Third-party websites may have privacy and security policies different from Community Resource Credit Union. Please review the privacy and security policies of websites reached through links from CRCU websites.

What Does Community Resource Credit Union Do With Your Personal Information?

Rev. Date 8/2023

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: Social security number and account balances Account transactions and credit card or other debt Credit history and wire transfer instructions When you are no longer our customer, we continue to share your information as described in this notice.
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 Community Resource Credit Union chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does Community Resource Credit Union 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	Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We Do Not Share
For our affiliates to market to you	Yes	Yes
For our nonaffiliates to market to you	No	We Do Not Share

To limit our sharing	Call toll-free 1-800-238-3228 - our menu will prompt you through your choice(s) or Visit write us online: 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 toll-free 1-800-238-3228 or Contact Us

To limit our sharing

Call toll-free 1-800-238-3228 - our menu will prompt you through your choice(s) or
Visit write us online: 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 toll-free 1-800-238-3228 or Contact Us

What We Do
How does Community Resource Credit Union protect my 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 restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.
How does Community Resource Credit Union collect my information?	We collect your personal information, for example, when you Open an account or deposit or withdraw from your account Apply for a loan or provide account information Give us your income information We also 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. (See below for more on your rights under state law.)

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include companies with a CRCU Insurance Services, LLC. name.
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Community Resource Credit Union does not share with our 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 insurance companies.

Other Important Information