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We understand the importance of protecting the privacy of our members. As such, we are
committed to maintaining the confidentiality of each member’s financial records consistent
with state and federal laws.

Federal Privacy Notice

California Privacy Notice

California Consumer Privacy Act

ACCU Online Privacy Policy

Last updated: August 30, 2019

At America’s Christian Credit Union (“ACCU”) we respect your right to privacy and are committed to maintaining the highest level of information security. This U.S. Online privacy notice applies to ACCU’s digital properties (“sites”) which includes: websites, micro-sites, landing pages, blogs, social media profiles, and mobile applications (“sites”). Further, this policy describes how our sites may collect, use and share information from and/or about you, and how we collect and use this information for, personalized servicing and advertising purposes

What We collect

When you visit an ACCU site(s) and interact with the property, and/or register for online banking you may be asked to provide contact information which may include:

• Your first and last name
• Your home/physical address
• Your mailing address (if different than physical address)
• An e-mail address
• A telephone number
• A tax identification number, and
• Any other identifier(s) that allows us to contact you and personalize content

Additional information we may collect and store includes: the IP address from which you access our site, the type of browser and operating system used to access our site, the type of device used to access our site, the date and time you access our site, the Internet address of the site from which you linked directly to our site, and the pages you visited and the information you request.

Our Online Banking service provider is Q2. Online Banking uses session cookies to authenticate your Online Banking session and securely move data to and from your browser to the host server. Session cookies, which are small data files that authenticate a user for Online Banking transactions, are used from this site.

Session cookies do not automatically have a set expiration date. The cookie information is
stored in your PC’s memory, and once the browser is closed, the information is lost. Cookies are necessary for security with Online Banking. Browsers must accept all the cookies the Online Banking server sends. If they are refused, the Online Banking session will not work. All cookies are lost as soon as you exit Online Banking.

Our website may have online surveys or forms where we will ask you for contact information
such as your email address. You may opt out of receiving future mailings; see the choice/opt
out section below. We never share the information collected with third parties. We have
contests on our site from time-to-time where we might ask you for contact information. You
may opt out of receiving future mailings: see the Opt-Out section below.

We track user traffic patterns throughout our site for the purposes of continual improvement in site(s) experience(s) and personalized/relevant content. However, this information is collected in aggregate across all users, or members of defined user groups; we do not correlate this information with data about individual users. We break down overall usage statistics according to domain name, browser type, and MIME (multi-purpose internet mail extension) type by reading this information from the browser string. We track search terms entered in search of products of americaschristiancu.com, or owned sites to measure the interests of visitors on our sites.

America’s Christian Credit Union collects data about your activities that does not personally or directly identify you when you visit our website or the websites and online services where we display advertisements (“Publishers”). This information may include the pages you visit, when you visited the pages, how long you visited the page, or your location information associated with your IP address. We use the information we collect to serve you more relevant advertisements (referred to as “Retargeting”). We collect information about where you saw the ads we serve you and what ads you clicked on.

The Credit Union uses third-party vendors, including Google, Twitter, HubSpot, and Facebook
which use cookies, UTM Codes, and tracking pixels to serve ads based on a user’s prior visits to our website. These ads may contain cookies. You may see certain ads on other websites
because we contract with Google and other companies to target our ads based on information we or they have collected, including information that was collected through automated means (such as cookies and web beacons). These companies also use automated technologies to collect information when you click on our ads, which helps track and manage the effectiveness of our marketing efforts. For further information regarding the privacy practices of our advertisement providers, please visit:
https://www.google.com/privacypolicy.html
https://business.twitter.com/en/help/ads-policies/introduction-to-twitter-ads/twitter-ads-policies.html
https://legal.hubspot.com/privacy-policy
https://www.facebook.com/policies/ads

Linking to Other Sites

Our site may contain links to other sites. If you follow links to sites not affiliated or controlled
by ACCU, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. ACCU does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.

How to Opt-out

To opt out of third-party vendors’ use of cookies, you may
visit http://www.networkadvertising.org/managing/opt_out.asp

We use remarketing codes to log when users view specific pages or take specific actions on a
website. This allows us to provide targeted advertising, or personalized content in the future. If you do not wish to receive this type of advertising from us in the future you can opt out using the DoubleClick opt-out page at https://www.google.com/settings/ads/onweb#display_optout or the Network Advertising
Initiative opt-out page at http://www.networkadvertising.org/managing/opt_out.asp.

Our site provides you the opportunity to opt out of receiving communications from us at the
point where we request information about you. You can use the following options for removing your information from our database or to not receive future communications.

• You can call us at (800) 343-6328;
• You can email us at privacy@americasccu.com
• Write us at:
America’s Christian Credit Union
2100 E Route 66
Glendora, CA 91740

Protecting Children's Privacy Online

Our website is not directed to children under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children's Online Privacy Protection Act (COPPA).

https://www.ftc.gov/tips-advice/business-center/privacy-and-security/children%27s-privacy

This Online Privacy Notice is subject to change. Please review this notice periodically. The “Last Updated” date at the top of this notice will state when changes were last made to this notice. Your use of our website or mobile application signifies your acceptance to the changes on the revised notice.


California Consumer Privacy Act

Last updated: February 14, 2020

Your privacy is important to us. This California Consumer Privacy Act disclosure explains how America’s Christian Credit Union (“ACCU,” “Credit Union,” “we,” or “us”) collect, use, and disclose personal information relating to California residents covered by the California Consumer Privacy Act of 2018 (“CCPA”). This notice is provided pursuant to the CCPA.
Introduction
Under the CCPA, ‘Personal Information’ is information that identifies, relates to, or could reasonably be linked directly or indirectly with a particular California resident. The CCPA, however, does not apply to certain information, such as information subject to the Gramm-Leach-Bliley Act (“GLBA”) or the California Financial Information Privacy Act (“SB 1”).
The specific Personal Information that we collect, use, and disclose relating to a California resident covered by the CCPA will vary based on our relationship or interaction with that individual. For example, this Disclosure does not apply with respect to information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes. For more information about how we collect, disclose, and secure information relating to these members, please refer to our Federal Privacy Notice.
We understand the importance of protecting the privacy of our members. Consistent with our obligations under applicable laws and regulations, we maintain physical, technical, electronic, procedural and organizational safeguards and security measures that are designed to protect personal data against accidental, unlawful, or unauthorized destruction, loss, alteration, disclosure, or access, whether it is processed by us or elsewhere.
Collection and Disclosure of Personal Information
In the past 12 months, we may have collected, and disclosed to third parties for our business purposes, the following categories of Personal Information relating to California residents covered by this disclosure:
• Identifiers, such as name, address, government-issued identifier (e.g., Social Security number), and other personal information as defined in the California Civil Code §1798.80 (e), such as contact information and financial information;
• Characteristics of protected classifications under California or federal law, such as sex and marital status;
• Commercial information, such as transaction information and purchase history;
• Biometric information, such as fingerprints and voiceprints;
• Internet or network activity information, such as browsing history and interactions with our website;
• Geolocation data, such as device location and Internet Protocol (IP) location;
• Audio, electronic, visual and similar information;
• Professional or employment-related information, such as work history and prior employer;
• Education information, such as student records and directory information; and
• Inferences drawn from any of the Personal Information listed above to create a profile about, for example, an individual’s preferences and characteristics.
The categories of sources from whom we collected this Personal Information are:
• Directly from a California resident or the individual’s representatives
• Service Providers, Consumer Data Resellers and other third parties
• Public Record Sources (Federal, State or Local Government Sources)
• Information from our Affiliates
• Website/Mobile App Activity/Social Media
• Information from Member Directed Third Parties or Institutions representing a Member/Prospect
• Information from Corporate Members about individuals associated with the Members (e.g., an employee or board member)
The categories of third parties to whom we disclosed Personal Information for our business purposes described in this privacy disclosure are:
• Affiliates and Subsidiaries of America’s Christian Credit Union
• Vendors and Service Providers who provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology and related infrastructure, member service, email delivery, auditing, marketing and marketing research activities
• Partners and Third Parties who provide services such as payment, banking and communication infrastructure, storage, legal expertise, tax expertise, notaries and auditors, who promote the credit union and its financial services and products to our members
• Other Third Parties who enable members to conduct transactions online and via mobile devices, support mortgage and fulfillment services, and vehicle loan processes (at the direction of the member)
• Government Agencies as required by laws and regulations

Minors

The Credit Union does not knowingly collect or maintain information on children under the age of 16 unless they are a party to an account including an owner or co-owner, a beneficiary, or under a Uniform Transfers to Minor’s Act Account.
Use of Personal Information
In the past 12 months, we have used Personal Information relating to California residents to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes and objectives, including the following:
• Performing services, including maintaining or servicing accounts, providing member service, processing or fulfilling orders and transactions, verifying member information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services.
• Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
• Short-term, transient use where the information is not disclosed to a third party and is not used to build a profile or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction.
• Auditing related to a current interaction and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
• Undertaking activities to verify or maintain the quality or safety of a service controlled by us, and to improve, upgrade, or enhance the service controlled by the business.
• Debugging to identify and repair errors that impair existing intended functionality.
• Undertaking internal research for technological development and demonstration.
• Complying with laws and regulations and to comply with other legal process and law enforcement requirements (including any internal policy based on or reflecting legal or regulatory guidance, codes or opinions)
Sale of Personal Information
In the past 12 months, we have not “sold” Personal Information subject to the CCPA, including Personal Information of minors under the age of 16. For purposes of this Disclosure, “sold” means the disclosure of Personal Information to a third-party for monetary or other valuable consideration.
Rights under the CCPA
If you are a California resident, you have the right to:
1. Request we disclose to you free of charge the following information covering the 12 months preceding your request:
a. the categories of Personal Information about you that we collected;
b. the categories of sources from which the Personal Information was collected;
c. the purpose for collecting Personal Information about you;
d. the categories of third parties to whom we disclosed Personal Information about you and the categories of Personal Information that was disclosed (if applicable) and the purpose for disclosing the Personal Information about you; and
e. the specific pieces of Personal Information we collected about you;
2. Request we delete Personal Information we collected from you, unless the CCPA recognizes an exception; and
3. Be free from unlawful discrimination for exercising your rights under the CCPA
We will acknowledge receipt of your request and advise you how long we expect it will take to respond if we are able to verify your identity. Requests for specific pieces of Personal Information will require additional information to verify your identity.
If you submit a request on behalf of another person, we may require proof of authorization and verification of identity directly from the person for whom you are submitting a request.
In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. We will not honor your request where an exception applies, such as where the disclosure of Personal Information would adversely affect the rights and freedoms of another consumer or where the Personal Information that we maintain about you is not subject to the CCPA’s access or deletion rights.
If we are not able to honor your request, we will advise you in our response. We will not provide sensitive personal information such as social security numbers, driver’s license numbers or government issued identification numbers, financial account numbers, account passwords or security questions and answers, or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft or fraud or unreasonable risk to data or systems and network security.
We will work to process all verified requests within 45 days pursuant to the CCPA. If we need an extension for up to an additional 45 days in order to process your request, we will provide you with an explanation for the delay.

How to Exercise Your Rights
If you are a California resident, you may submit a request by:

1. Completing an online Request to Know and Request to Delete Personal Information 
2. Calling 800-343-6328

Questions or Concerns
You may contact us with questions or concerns about this Disclosure and our practices by:
1. Writing us at:
America’s Christian Credit Union
2100 E Route 66
Glendora, CA 91740
2. Emailing us at Privacy@americasccu.com

Changes to This California Consumer Privacy Act Disclosure
We may change or update this Disclosure from time to time. When we do, we will post the revised Disclosure on this page with a new “Last Updated” date.

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© 2020 Americas Christian CU | The credit union is federally insured by the National Credit Union Administration. Added savings protection provided by American Share Insurance. Please speak to a credit union representative for details. Equal Housing Opportunity.

As always, if you have any questions or comments regarding any issue related to ACCU, you can call us on our toll-free number 1-800-343-6328