Cheektowaga Central Federal Credit Union, your member owned financial institution, is committed to providing you financial products and services to meet your needs and help you reach your financial goals.  We are equally committed to protecting our members' privacy.  You can be confident that your financial privacy is a priority of this credit union.  We are required by law to give you this notice to explain  how we collect, use and safeguard your personal financial information.  If you have any questions, please contact us at 684-1741 or by email at ccfcu@roadrunner.com.                       Information We Collect and Disclose About You     We collect non-public personal information about you from the following sources:     ▪ Information we receive from you on applications and other forms     ▪ Information about your transactions with us or others     ▪ Information we receive from a consumer reporting agency     ▪ Information obtained when verifying the information you provide on an application or other forms.  This may be obtained from your       current or past employers or from other institutions where you conduct financial transactions.       We may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to     other financial institutions with whom we have joint marketing agreements.  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 to other third parties.       In order to conduct the business of the credit union, we may also disclose non-public 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, or protect the security of our financial records.       If you terminate your membership with the Cheektowaga Central Federal Credit Union, we will not share information we have collected     about you, except as permitted or required by law.       How We Protect Your Information     We restrict access to non-public personal information about you to those employees who have specific business purpose in utilizing     your data.  Our employees are trained in the importance of maintaining confidentiality and member privacy.  We maintain physical,     electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your non-public     personal information.        What You Can Do to Help Protect Your Privacy     Cheektowaga Central 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 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 numbers, 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 be aware.  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.        If you have questions concerning this notice, please do not hesitate to contact us - we are here to serve you.       Cheektowaga Central FCU     2875 Union Rd. Suite 49     Cheektowaga, NY 14227     716-684-1741