Your privacy is important to us, and maintaining your trust and confidence is one of our highest priorities. We respect your right to keep personal information confidential and understand your desire to avoid unwanted solicitations.
Privacy Pledge
Our Privacy Pledge
Your privacy is important to us, and maintaining your trust and confidence is one of our highest priorities. We respect your right to keep personal information confidential and understand your desire to avoid unwanted solicitations. Therefore, your CAMC Federal Credit Union (Credit Union) wants to remind you of how the information collected about you by us is used. In summary, we only disclose nonpublic account information to third parties when it is necessary to provide you with high quality services and products such as with the following instances:
It is necessary to complete a transaction or provide you our products and services.
A third party seeks to verify the existence or condition of your account in accordance with applicable law.
Such disclosure complies with the law or court order.
You give us written permission.
To provide you additional information, this pledge is provided to describe our Credit Union's privacy policy and practices concerning the personal information we collect and disclose about our members. As prescribed under federal law, it also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the Credit Union.
If after reading this notice you have questions, please contact us at:
(304) 388-5700
E-mail: contactus@camcfcu.com
Or, you may write to our office at:
Privacy Notice
CAMC Federal Credit Union
3400 MacCorkle Avenue, SE
Charleston, WV 25304
Information We Collect About You
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications and other forms - including our website;
Information about transactions with us;
Information we receive from a consumer reporting agency;
Information we obtained when verifying the information you provide on an application or other form. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.
We may disclose all of the information we collect, as described above, as permitted by law.
Disclosure of Information to Third Parties That Provide Services to Us
Your Credit Union works closely with certain third parties to offer products and services to meet member needs. Therefore, in order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to the following types of third parties that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services:
Financial service providers, such as insurance companies and mortgage service companies.
Non-financial service companies, such as consumer reporting agencies, data processors, check/share draft printers, plastic card processors, mail processors and government agencies.
We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of the Credit Union, and follow your instructions as you authorize, or protect the security of our financial records.
To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide.
How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your information to provide products and services to you.
Our employees are trained in the importance of maintaining confidentiality and member privacy.
We maintain physical, electronic or procedural safeguards that comply with the federal regulations to guard your nonpublic personal information.
Disclosure of Information about Former Members
If you terminate your membership with CAMC Federal Credit Union we will not share information we have collected about you, except as may be permitted or required by law.
Tips To Protect Your Information
CAMC Federal 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, PIN's (personal identification numbers) or passwords used to access your account through an account access device such as a telephone or personal computer. Never keep your PIN with your ATM, debit or credit card, which can provide free access to your accounts if your card is lost or stolen.
If you permit any person to have access to any place in which you store your checks, account information, PIN's, passwords or any account access device, exercise prudent judgment by safeguarding such items in a locked area or otherwise secure manner.
Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on the 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 if we initiate the call.
Keep your address and phone number(s) with us current. If we detect potentially fraudulent or unauthorized activity affecting your account, it is important that we have the ability to contact you immediately.
Review your credit report annually.
For security, periodically changing your PINs and passwords are recommended at least every 3 to 6 months.
If you believe you've been a victim of identity theft, take immediate action by contacting the following agencies:
File a police report with your local police department and obtain a copy of the report.
Contact the creditors for any account that has been tampered with or opened fraudulently.
Contact the fraud departments of each of the three major credit bureaus:
Equifax: 1-800-525-6285
Experian: 1-888-397-3742
Trans Union: 1-800-680-7289
Let us know if you have any questions by giving us a call - we are here to serve you!
Privacy Policy
To obtain a physical copy of our Privacy Policy, please contact Member Services at (304) 388-5700
To obtain a PDF version of our Privacy Policy, please visit Online Banking or our Mobile App.
Security
Disclaimer
The information, products and services contained on this web site are for informational purposes only and do not constitute any binding agreement with the CAMC Federal Credit Union. All information is subject to change without notice.
Third party links
Any unaffiliated third party sites are responsible for the accuracy and performance of their products and services. CAMC Federal Credit Union does not endorse, approve or control these external Internet Web sites (or any specific commercial product or service their pages mention), or guarantee the accuracy, completeness, efficacy, timeliness, or correct sequencing of information their pages contain. Once you leave this site and visit a third party site you are no longer protected by the privacy and security of CAMC Federal Credit Union.
Online security
CAMC Federal Credit Union is committed to protecting the privacy and personal information of our members by utilizing advanced internet security technology. Our members can assist us with our security endeavors by taking precautionary measures to protect their personal and financial information.
To protect unauthorized access to your accounts, keep passwords and personal identification numbers (PINs) secure. Do not leave them near your computer or provided them to anyone.
Periodically you should change your password and PIN.
Choose a password or PIN that would not be easily guessed. Avoid using obvious choices for passwords and PINs such as: names, birth dates, telephone numbers, social security numbers street address, etc.
Alphanumeric passwords or PINs are a lot more difficult for someone to discover.
Unsuccessful PIN attempts
For your protection, if a password or PIN is entered incorrectly 3 times, your account will be locked out.
Logging out
When you have completed your transaction or are through reviewing personal or financial information, please make sure to log out of your account and completely log out of the site. Never leave your computer unattended while viewing personal or financial information.
E-mail security
Please keep in mind that e-mail transmitted via the Internet may not be protected or secure, and as a result may be intercepted or viewed by others. Therefore, we recommend that you refrain from sending confidential or private information via e-mail.
Disclosures
COPPA Policy Disclosure
Children’s Online Privacy Protection Act (COPPA) restricts the collection, use, or disclosure of the Personal Information from and about Children under the age of 13 on the internet. In compliance with COPPA, CAMC Federal Credit Union is committed to protecting the online privacy of the Children who visit our website.
CAMC FCU’s Website and online services (such as Online Banking and our Mobile App) are not directed to children under the age of 13, nor is personally identifiable information knowingly collected from children under the age of 13.
Should CAMC FCU receive personally identifiable information (such as name, address, email, account number, phone number, or Social Security number) regarding a child known to be under the age of 13, the information will only be used to respond to the child directly, seek parental consent, and to provide parental notice.
CAMC FCU is not responsible for the data collection and use practices of non-affiliated third parties.
For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission’s Website.
Home Mortgage Disclosure Act
The Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending is now available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at our physical location regarding CAMC FCU HDMA data to be inspected. To receive a written copy of this data, send a written request to:
CAMC Federal Credit Union
3400 MacCorkle Ave. SE
Charleston, WV 25304