Your Privacy

 Cedar Point Federal Credit Union
Cedar Point Financial Services, Inc.
22745 Maple Road
Lexington Park, MD 20653
301-863-7071 | 800-201-1647
www.cpfcu.com

Protecting Your Privacy Online

Cedar Point Federal Credit Union recognizes and respects the privacy that our members and other users of our website demand. As such, we are dedicated to protecting the information obtained through the use of our website with the same confidentiality and safety standards that are provided through all other credit union transactions.

General Use

As a general policy, Cedar Point Federal Credit Union does not automatically collect personal information from users of its website resource. CPFCU may collect standard non-identifying information about visits to its website such as:

• The name of the domain from which you access the internet (for example, msn.com) but not your e-mail address;
• The internet address of the website from which you linked directly to our website;
• The date and time you access our website;
• The length of each user session on our website;
• The pages you visited on our website;

This information may be utilized to compile internal reporting of website statistics as well as a resource to improve the content, design and navigation of our website.

Digital Banking

Personal information is provided by you when completing an application, form, or other requested fields, and may include name, address, social security number, drivers' license number or other forms of identification, date of birth, phone numbers, account numbers, email addresses, credit or income information, usernames, passwords, and images of documents such as identification cards, checks, or statements. We also collect information from your mobile device such as IP addresses, browser type, device type and operating system, sites visited on the Mobile App, date and time of access, and identity of the referring site. This information allows the credit union to limit access to only those entitled to perform transactions and inquiries on the account(s).

Information & Permissions: If you use our Digital Banking app, we may ask for permission to use the following features or functionalities:

• Camera: You may need to take pictures of checks for mobile deposits.
• Photos and Images: You may want to attach a photo to a secure message.
• Files and Media: You may want to attach a file to a secure message.
• Location: Our app may collect precise and approximate location for technology access and tracking.
• Other applications: You may access other installed and relevant apps when you use our Personal Financial Management tool.
• SMS Texting: You may opt to use SMS banking, to send and receive text notifications and alerts, and to send multi-factor authentication codes.
• Application information and performance: We may collect "crash" logs, diagnostics, and other performance data.
• Device information: We may collect information on your operating system and version, device version, cellular/WIFI connectivity, IP address, and location.

CardValet

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 transactions).

Cookies

A cookie is a small text file which is stored on a user's computer for authorization purposes.

One of the ways Cedar Point recognizes you is by placing a cookie on your computer when you log in to your online banking account and indicate you are on a personal computer. The cookie contains a randomly generated, unique number used as an identifier. When you sign in after that, your Web browser sends us this cookie, which lets us know that you're using your own computer. The cookie is visible only to Cedar Point and does not contain any personal information. You can register any computer as a “personal computer.”

Additionally, we use cookies and information gathered through their use to personalize your online user experience based on the interaction you have with our products, services, and the interactions you have with other websites. Information gathered through use of cookies may be used to make offers to you via online ads. We also use cookies, sometimes in conjunction with service providers, in online advertising either on our own website or on third party sites to help determine which of our advertisements are most likely to appeal to individual users.

Email Communication

Personal information transmitted to the Cedar Point Federal Credit Union may be used by credit union staff to respond to inquiries for service or information and/or to improve the service the credit union provides.

As email communications may not be secure against interception by unauthorized individuals, the credit union will not transmit sensitive or personal information that can compromise or violate a member's privacy while communicating via email. Similarly, members may wish to utilize alternative communication methods when it is necessary to provide sensitive or personal information.

Securing the Privacy of Personal Information

Cedar Point Federal Credit Union's website offers most applications in a downloadable PDF format, which requires that the member sign and mail the form. In this way no personal information can be compromised via an insecure connection.

Applications & Online Forms. For the convenience of our members, Cedar Point Federal Credit Union provides several forms online. Depending upon what type of product or service the user is requesting through the use of these forms, by submitting the application the user will be authorizing the credit union to review credit history, employment history and/or other relevant information. This information and any personal information provided by website users from any of the credit union's online forms is used by Cedar Point solely to process the user's request for service. Cedar Point provides forms online in the following ways:

• Our website provides forms in a downloadable, printable PDF format such as our Membership Application and requests for additional products and services or changes to existing products and services.
• Our website also provides applications hosted by third-party vendors which adhere to our privacy policy (see Maintaining Member Privacy in our Business Relationships below.) These forms allow a user to submit their personal information to the credit union.
• Our website provides several Secure Forms, through which a user can safely and securely submit personal information such as name and contact information to the credit union in order to be contacted by a credit union representative or to register for a seminar.
• Our Digital Banking platform provides additional Secure Forms, through which a user can safely and securely make requests of the credit union such as placing a travel notice on cards, reporting lost or stolen cards and selecting estatements or paper statements.

In addition to the information provided by you through the use of these forms, we may also collect identifying information such as your IP address.

Maintaining Member Privacy in our Business Relationships

From time to time, the Cedar Point Federal Credit Union contracts with third-party vendors and other businesses to perform specific services for us. When doing so, we select business partners and vendors that adhere to privacy standards similar to our own and we ask our business partners and vendors to honor and safeguard all information regarding our members.

Cedar Point Federal Credit Union does not sell or provide any member information to any list service or third-party organizations for their specific independent use.

Additionally, the credit union is permitted by law to share information that arises out of its direct experiences with you:

• as required to do so by government regulation
• as necessary to comply with a government agency or court order
• to fulfill a request by federal or state regulator
• if permission is granted by the member

Restricted Employee Access to Personal Information

Cedar Point Federal Credit Union limits its employee access to member information to those staff members with a business reason for knowing such information. Our employees are educated about the importance of member confidentiality and privacy. Access to personal information requires the use of employee user names and/or passwords and is used only by approved staff. Audit trails are provided to further safeguard the privacy of member information.

How to Contact Us

To review member information, correct misinformation or for questions and comments regarding Cedar Point Federal Credit Union's Privacy Policy, please stop by any branch office, call (301) 863-7071, fax (301) 863-0137, or inquire via e-mail at cpfcu@cpfcu.com.

Beyond our Control

The internet contains many useful resources. As such, the Cedar Point Federal Credit Union website does contain links to other websites. Please be advised that CPFCU is not responsible for the privacy practices or the content of the linked websites and encourages users to read the privacy statement of any linked websites to become acquainted with their specific privacy practices.

Privacy Policy Statement Updates

As services and functionality of the Cedar Point Federal Credit Union website change, our privacy practices may also change over time. Users are encouraged to visit our website regularly to view the most current version of our privacy policy at www.cpfcu.com/privacy

Why do you ask for ID when I am not withdrawing money?

While anyone is welcome to deposit funds to any account, we will only provide a receipt to the account holder since our receipts include your name and balance information. We cannot provide any information about the account, including the names associated with an account number, to someone whose name is not on the account. In addition to identifying you, your ID is also an excellent way for our tellers to cross check to be sure the money is going into the correct account, that is, the one with your name on it.

If you are making a change to the account we will need to see your ID so we are confident that it is a change you want. We may hold your ID in order to verify your signature. We will usually make a copy of the ID to be scanned into our files.

If you are changing contact information, it is especially important that we see your ID, since we will be sending account specific information such as statements to your USPS address or passwords to your email address.

What ID should I show?

A driver's license or state issued identification card is always acceptable.

Department of Defense ID is acceptable at the teller line, but since we are not permitted to copy this form of ID, we cannot accept it in cases where we would make a copy such as when you are adding a certificate to your account.

If you have recently moved to a new home and your driver's license does not have your current address, we may ask to see a proof of address when opening a new account. In this case, an electric bill, gas bill or rental contract is an acceptable form of ID to confirm your address.

If you are changing your name because of marriage or divorce we will need to see the appropriate legal documents. We will copy these for our records.

How do you check my ID when I call on the phone?

When you call us on the phone we will ask questions designed to confirm that we know to whom we are speaking. The usual first questions - name, Social Security number, Mother's maiden name - may be sufficient for some transactions, such as when you are paying your loan or Mastercard from your checking account. Other times we may ask you specific questions about the activity in your account.

Please help us by offering identification when asked. It is for your protection.