Community First Co-operative Credit Union Ltd. (“CFCCU”, “we”, “our”, or “us”) is committed to protecting the privacy, confidentiality, and security of our members’ personal information. This Privacy Policy explains how we collect, use, disclose, store, and safeguard your information when you visit our website, use our digital services, or interact with us online.

By accessing or using our website and services, you agree to the practices described in this Privacy Policy.

1. Information We Collect

Personal Information

We may collect personal information including:

• Full name
• Home and mailing address
• Telephone number
• Email address
• Date of birth
• Government-issued identification details
• Employment and income information
• Financial and account-related information
• Membership and loan application details
• Information submitted through online forms or inquiries

Technical & Usage Information

• IP address
• Browser type and device information
• Operating system
• Pages visited and time spent on the website
• Cookies and tracking technologies

2. How We Use Your Information

• Process membership applications and account requests
• Provide savings, loan, and financial services
• Verify identity and meet regulatory requirements
• Prevent fraud and enhance security
• Respond to inquiries and customer support requests
• Improve website performance and user experience
• Communicate important service notices

3. Cookies & Tracking Technologies

Our website may use cookies and similar technologies to improve functionality, analyze traffic, and enhance your experience. You may disable cookies through your browser settings; however, some features may not function properly.

4. Information Sharing & Disclosure

• With trusted service providers under confidentiality agreements
• When required by law or regulatory authorities
• To prevent fraud and protect members and systems
• With your explicit consent

5. Data Security

We implement appropriate administrative, technical, and physical safeguards to protect your personal information. While we strive to secure your data, no online system can be guaranteed to be completely secure.

6. Data Retention

Personal information is retained only as long as necessary to meet operational, legal, and regulatory requirements.

7. Your Rights

• Access your personal information
• Request corrections to inaccurate data
• Withdraw consent where legally permitted
• Ask questions about data usage

8. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices of third-party sites.

9. Children’s Privacy

Our services are not intended for children under 18 without parental or guardian consent.

10. Changes to This Privacy Policy

This Privacy Policy may be updated periodically. Updates will be posted on this page with a revised effective date.

11. Contact Us