Welcome to Cy-Fair Federal Credit Union

Privacy Statement

Cy-Fair Federal Credit Union (CFFCU) recognizes and respects the privacy of our members. Associates of the credit union have a duty to protect the confidential nature of your financial records. This policy is maintained and updated to keep our staff informed of changes in regulation that affect the credit union's financial privacy policies and procedures, including all requests for financial information from government agencies.

The credit union is equally concerned about customer privacy related to electronic services and is committed to protecting member information related to this financial services option. This privacy statement applies in its entirety to any electronic services our members might use, such as personal computer based services and Internet services.

Information We Collect

At Cy-Fair Federal Credit Union, we strive to provide premier service to our members. As part of this service, we obtain nonpublic personal information from you to determine the best products to meet your financial goals. We collect this information about you from a variety of sources, including:

• Information you provide to us on applications or other forms, emails or during telephone calls (such as your name, social security number, address, email address and phone number);
• Information about your transactions or experiences with us, our affiliates or others (such as account balance and payment history);
• Information we receive from third parties, including consumer reporting agencies (such as credit relationships and history); and
• Information collected from our website (such as information you provide to us and information necessary to manage your online session with us).

For purposes of tracking website traffic, we also collect information from your browser, including your IP address, cookie information, the page you visited immediately before you visited our web site, the pages on our web site that you request, the date and length of your visit and similar information. This information is not saved in any manner that is associated with your personally-identifiable information.
Information We Share

In order for us to service your requests, process applications and conduct daily business, we share information we collect only with companies we own (affiliates) and carefully selected outside companies for the sole purpose of performing services on our behalf (non-affiliates). We do not disclose nonpublic personal information about you to anyone except as permitted or required by law. We do not sell your personal information to companies for their independent use. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Information Sharing with Affiliates

To the extent permitted by law, we may share information about your experiences and transactions with us, other non-transactional information about you (such as application and credit-related information) as well as identification information, with companies that are our affiliates. We may also share nonpublic personal information about you with our affiliates if we have your authorization or upon your request. We are affiliated through our ownership in Credit Union Service Organizations including, CUAC for our indirect auto program and Member Home Loan for mortgage products.

Information Sharing with Non-Affiliates

We may disclose all the information we collect, as described previously and as permitted by law, to companies that perform marketing services on our behalf, or to other financial institutions with whom we have joint marketing agreements.

In order to conduct the business of the credit union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, and to protect the security of our financial records.

We carefully select the companies that provide services on our behalf, or that offer you financial products or services that we do not provide. We only provide these companies with information that is necessary for them to fulfill their responsibilities or to provide a financial service to you.

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. We do not permit these companies to sell the member information we provide.

Other Situations

We disclose information about you when required or permitted by law, such as in response to subpoenas and to credit reporting agencies.

We do not disclose any nonpublic personal information about our former members to anyone, except as permitted or required by law.
Your Right to Privacy
We respect your right to privacy. As noted above, we do not disclose nonpublic personal information about you to anyone except as permitted or required by law. We do not share your nonpublic personal information with companies for their independent use without getting your authorization to do so. We may continue to use and share your information, absent your authorization, for the purpose of servicing your account or offering products to you. If you have any questions about our privacy practices, you may call the credit union at 281-890-7676 or 888-890-7676.
Our Confidentiality and Security Procedures
The protection of your personal information is important to us. We take steps to safeguard such information. We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We also maintain physical, electronic, and procedural safeguards to protect your personal information. We use multiple firewall layers, intrusion detection software, encryption and access control lists.
What Members Can Do to Help
Cy-Fair Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit card or credit card which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security number, etc. to other persons. If someone calls you, explains 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. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
• Let us know if you have questions. Please do not hesitate to call us – we are here to serve you.

Third Party Link Disclaimer

Cy-Fair Federal Credit Union does not endorse or guarantee 3rd party links. The products and services offered on 3rd party sites are not products of CFFCU. CFFCU cannot attest to the accuracy of information provided by the linked sites. Linking to a web site is not considered endorsement by CFFCU, or any of its employees, of the sponsors of the site or the products presented on the site.

Internet Cookies

To provide better service and a more effective website, we may use "cookies" as part of our interaction with your Internet browser. A "cookie" is a small text file placed on your hard drive by our web server. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses, nor capture your e-mail address. Cookies are commonly used on websites and do not harm your system. We may use cookies in places where you may need to register, such as home banking, or where you are able to customize the information you see. Recording a cookie at such points makes your online experience easier and more personalized. We may also use cookies to identify what sections of our site our members visit most so we can continue to provide information on the products and services in which our members have demonstrated an interest. These cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address. By configuring your preferences or options in your Internet browser, you can control if and how a cookie will be accepted. Keep in mind that blocking or regularly deleting all cookies may prevent some online services, including CULink@Home from working properly.

Fair Credit Reporting Act

The Fair Credit Reporting Act covers the widest range of information sharing between the credit union and its affiliates. This act permits the credit union and its affiliates to share identification information, as well as information based solely on your transactions with us and our experiences with you. We never share credit report information with our affiliates.
You also have the right to notify us if you believe we have reported inaccurate information about your account to a credit bureau or consumer reporting agency. All notices should be sent in writing to Cy-Fair Federal Credit Union, 9601 Jones Road, Houston, Texas 77065. All correspondence should include your complete name, current address, social security number, telephone number, account number, type of account, specific item of dispute, and the reason why you believe the information reported is in error.

Effective Date

The effective date of this policy is January 1, 2007. It replaces all prior privacy policies issued by Cy-Fair Federal Credit Union. We reserve the right to change our policy. Revisions of this policy will be posted on our website and mailed to our members periodically and whenever required by law. Visitors to our website should review our privacy policy from time to time to stay abreast of changes. If you have questions concerning this notice, please call us at 281-890-7676 or 888-890-7676.