Privacy Policy

CONSUMER DATA PROTECTION/PRIVACY NOTICE

At Community First Guam Federal Credit Union, we do everything we can to protect the privacy of consumers and our members including those who visit our web site. We value your time and your interest in our organization. We place high priority on ensuring the security and privacy of data pertaining to each member. Community First Guam FCU is aware that as members, you have entrusted

us with your financial information and accounts, and also have shared personal information with us.

Community First Guam FCU's Consumer Data Protection and Privacy Practices

Community First Guam FCU's Board of Directors and staff believe it is important to inform you of the data protection and privacy practices we have instituted, which include:

Established specific security protection practices to insure privacy of information
Defined control methods to limit access to consumer information
Formalized procedures and processes to insure the maintenance of accurate information
Established procedures and restrictions on disclosure of member account information
Defined standards for consumer data collection, use, and methods of storage
Required consumer data privacy covenants in third-party service and business arrangements
Ensured our staff is committed to protect a consumer's right to data privacy
Disclosed to our members our privacy benchmarks and provided an overview of institution privacy practices

To insure that we successfully accomplish these priority practices, as an organization we have:

Established formal guidelines for management and staff to insure the protection of consumer data and staff awareness of data privacy are top priorities
Developed and provided to potential and existing members a detailed notice about our data protection and privacy policy and practices
Established guidelines to insure proper procedures and controls are in place to address those situations required by law when we must disclose nonpublic personal information about you

The consumer data protection/privacy notice serves as a reference guide for consumers, members, and credit union staff, and management regarding the protection of your data and your privacy.

Children’s Online Privacy Protection Act (COPPA)
The Children’s Online Privacy Protection Act of 1998 (COPPA) addresses the collection, use and disclosure of personal information collected from children through websites or other online services.

Community First Federal Credit Union’s online financial services are not designed for or directed towards children. We do not knowingly market to or solicit information from children under the age of 13. We encourage parents or legal guardians to supervise the activities of children when using websites.

To learn more about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission’s website. (https://www.ftc.gov/tips-advice/business-center/privacy-and-security/children%27s-privacy)

Accuracy of Information

Every effort is made to insure our records of your information are complete and correct. If an error is noted on your statement or in any other communication from us, please contact us at the number listed on your account materials as soon as possible.

The Collection and Use of Information

We need to collect information about you to conduct our business relationship. However, in order to protect your information, we maintain and enforce strict security procedures.

We collect nonpublic personal information about you from various sources including:

• Information we received from you on applications and other forms

• Information about your transactions with us, or others; and

• Information we receive from a consumer reporting agency

We do not disclose any nonpublic information about you to anyone, except as permitted by law.

If you decide to close your account(s) or become an inactive member, we will adhere to the privacy policies as described in this notice.

We collect only the information necessary to deliver quality products and services to our members. Only authorized and trained employees have access to member information.

We also are continually assessing new technology, as it becomes available, to continue to best protect your privacy.

Important Contact Information for Consumer Protection: To report a lost or stolen card, please call the following numbers:

ATM Card

1-800-523-4175

Credit Card

1-800-991-4961

Check Card

1-800-472-3272

To place a fraud alert on your credit reports, call:

Equifax

1-800-525-6285

Experian

1-888-397-3742

TransUnion

1-800-680-7289

To File an Identity Theft complaint with the Federal Trade Commission (FTC):

Online: Submit a secure complaint form at https://www.ftccomplaintassistant.gov/

Call: 1-877-ID-THEFT (1-877-438-4338); TTY: 1-866-653-4261

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Thank you for your patronage and support.