Privacy Notice
General:
It is the policy of Coca-Cola Credit Union (“Credit Union”) to comply with all federal and state laws pertaining to the privacy and confidentiality of your information. As a financial institution, Credit Union recognizes and respects the privacy of all persons for whom we transact business; and we shall implement and maintain commercially reasonable security standards and procedures to protect the confidential and private nature of your financial records. It is our policy that employees not divulge any confidential information (as defined by applicable laws) to anyone outside the Credit Union except as outlined in this or other policy/procedure, as required or allowed by applicable law or as you have instructed in writing.
Use, Collection and Retention of Information:
Credit Union will collect, retain and use information about you only where we reasonably believe it would be useful and allowed by law in administering our business with you, and to provide information and/or products, services and other opportunities we may offer to you.
Maintenance of Accurate Information:
Credit Union will establish procedures so that your financial information is accurate, current and complete in accordance with reasonable commercial standards. We will respond to requests to correct inaccurate information in a timely manner.
Limiting Employee Access to Information:
It is the policy of Credit Union that confidential information acquired by us be held in strictest confidence. Access to personally identifiable information will be limited to those employees with a business reason for knowing such information. We realize that in the course of performing our duties, it is necessary to access confidential information. The Credit Union will not provide this information to unauthorized persons. Additionally, this information will not be discussed with others within the Credit Union unless their duties also require use of the information. Employee training is administered regularly to insure awareness of the law and what personnel responsibilities are to maintain compliance with the law.
Restrictions on the Disclosure of Information:
Credit Union may provide your contact information to third parties with whom it has a business relationship for the purpose of offering you products, services or other opportunities. Credit Union will not provide specific information about you or other personal data to unaffiliated third parties for their independent use unless; (i) the exchange of information is with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide due diligence; (ii) the information is provided to help complete a transaction you have initiated; (iii) a disclosure is made at the specific written request of the customer; or (iv) the disclosure is required or allowed by law.
Choosing Not to Have Your Information Shared with Others
If you do not want us to share your non-public personal information (other than as permitted by applicable law), you may instruct us not to do so by:
- Visiting our branch located in the AOC (Mainstreet, USA 1) and completing an Opt-Out Form
- Completing the Opt-Out Form and emailing us your opt-out request at creditunion@coca-cola.com*
- Completing the Opt-Out Form and mailing us your opt-out request to: Coca-Cola Credit Union, P.O. Box 1734 Atlanta, Georgia 30301
NOTE: An election to opt out by any owner, borrower or guarantor will apply to all other joint owners, co-borrowers and guarantors on the account.
Protecting Your Information
An important part of the responsibility of protecting your financial information rests with you. What can you do? Routinely review and reconcile your account statements.
- If you become aware of incorrect information either in our records or as reported by us, please notify us at Coca-Cola Credit Union, P.O. Box 1734, Atlanta, Georgia 30301 or call 404-676-2586 inside Atlanta, 877-277-2586 outside Atlanta, and we will make the necessary corrections promptly.
- Safeguard and protect your account records, passwords, logon identification and other information pertaining to your relationship with us.
- NEVER reveal your access codes, passwords or personal identification numbers (“
passwords
“) to anyone – ever! Attempts to break these passwords are monitored by special software, which will only allow a few attempts before the password needs to be reset personally in one of our branches. If you think any of your passwords have been compromised, change them immediately! - Don’t leave your computer while you are in the midst of an on-line session or transaction.
- When you are finished using any of our on-line services, be sure to log off the system before visiting other web sites.
- If other people have access to your computer, clear your browser’s cache in order to remove copies of web pages that may have been stored temporarily on your system.
Links to Third Party Web Sites
Our web site may contain links to third party web sites. We provide these links as a service to you. When you link to a third party web site you leave our web site. We want you to be aware that we are not responsible for the privacy practices of any other web site. We encourage you to read the privacy policies of any web site you access, especially if individual identifying information is being collected. We are not affiliated with or an agent of any third party web site that you link to via our website.
Image Collection & Usage
Our banking app may collect and utilize user images for various purposes aimed at enhancing user experience and providing specific functionalities. Users maintain control over the camera access and usage within the app. Camera access is explicitly requested when the app requires image capture for any functionality. Users can enable or disable camera access at any time through the app’s settings. Disabling camera access will prevent the app from utilizing the camera for any functionality requiring image capture. We are committed to protecting the privacy and security of our users’ information. Any images collected are used solely for the intended purposes outlined above and are not shared with any unauthorized parties. By using our app, you consent to the collection and usage of images as described in this privacy policy.
Zelle Privacy
Within our mobile banking application, we aim to elevate your user experience and ensure secure transactions. To achieve this, we request permission to access your contact names, emails, and phone numbers. This data is exclusively utilized for the streamlined facilitation of finding and paying trusted individuals through the Zelle feature. Specifically, it is employed to prepopulate forms when adding a Zelle contact for payment purposes. We want to emphasize that this information is treated with the utmost confidentiality, safeguarded against disclosure to any third party, and reserved solely for the intended purpose. You have full control over your privacy, with the ability to disable contact permissions for this mobile banking application at any time through the Settings feature. Your trust and privacy remain our top priorities, and we are dedicated to the responsible handling of your personal information.
Reducing the Advertising You Receive From Others
If you would like to reduce the amount of advertising you receive from entities other than the Credit Union, you can write to the following agencies:
Advertising received through the mail:
Mail Preference Service
c/o Direct Marketing Association
P.O. Box 9008
Farmingdale, NY 11735-9008
Advertising received via the telephone:
Telephone Preference Service
c/o Direct Marketing Association
P.O. Box 9014
Farmingdale, NY 11735-9014
Please be sure to include complete information about each name, address and telephone number you would like excluded from these lists. If you have moved within the last year, please also include your old address and phone number. The same is true for name changes and the addresses and phone numbers associated with each name.
Pre-Approved Credit Solicitations
If you would like to have your name taken off all pre-approved credit solicitations (not just Credit Union solicitations), you can write to the following credit reporting agencies. Please be sure to include your name, current address and social security number.
Experian
Consumer Opt-Out
P.O. Box 919
Allen, TX 75013
Equifax, Inc.
P.O. Box 740123
Atlanta, GA 30374-0123
Trans Union Corporation
Name Removal Option
P.O. Box 97328
Jackson, MS 39288-7328
*Please do not submit confidential or sensitive information using email method of communication
The Credit Union’s Privacy Policy is subject to change without notice. Any changes to the Privacy Policy will apply to information collected after the date of the revision. No provisions contained herein shall be determined to change or alter any other contracts or policies between the Credit Union and its members.