Disclosures

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Disclosures

Please read the following disclosures. Other disclosure announcements are included in the footer of the website.

Credit Card Disclosure

Please download and review the credit card disclosure (.pdf)

Unlawful Internet Gambling Enforcement Act

Federal law, the Unlawful Internet Gambling Enforcement Act of 2006 (effective June 2, 2010) and implementing regulations prohibit commercial members from receiving deposit or other credits of any kind relating to their operation of an illegal Internet gambling business. Communication Federal Credit Union is required to enforce that prohibition.

It is Communication Federal Credit Union’s policy to not open or maintain any account for commercial members held with the intent to conduct or engage in Internet gambling activity, whether legal or illegal. If the credit union discovers or determines that an existing commercial member transacts or engages in Internet gambling activity as defined by the UIGEA, the credit union reserves the right to restrict services or terminate the account relationship.

Notice Of Changes In Temporary NCUA Insurance Coverage For Transaction Accounts

All funds in a “noninterest-bearing transaction account” are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

The term “noninterest-bearing transaction account” includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (“NOW”) account, money-market deposit account, and Interest on Lawyers Trust Account (“IOLTA”), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.

Privacy Statement

Please download and review the privacy statement (.pdf) 

Internet Security Statement

Confidentiality of Consumer Information in Other Circumstances

Our Web Site
When you visit our web site at www.comfedcu.org, we want you to feel secure that we are respecting your privacy. The only private information we have about you is the information you choose to give us (such as providing feedback or completing a form). We do not release that information to others without notifying you on the form and obtaining your consent. We may use "cookies" on some pages of our web site for the purpose of serving you better when you return to our site. A cookie is a small element of data that a web site can send to your browser, which may then be stored on your system. Data collected from cookies helps us determine how many people visit certain pages, ultimately enabling us to improve our site design and content. Your web browser can be set to provide you a notice before you accept a cookie.

Our Credit Union is constantly concerned about our member’s critical information and privacy. With this in mind, we have the following security services installed on our Internet server:

  • Each server is behind a Firewall. This UNIX based hardware product blocks critical ports and IP addresses on servers from external attack and access.
  • Each server runs proprietary software that constantly monitors the servers for unauthorized use and attempts to "hack" into information. Administrators are contacted when forced attacks are committed, and countermeasures can be applied to stop these instances.
  • All administrative activity requires user login and authentication. All administrative updates are logged into files that can be reviewed later.
  • All servers come with a Global Verisign Certificate (RSA) for digitally encrypted communications between the Web server and member. Information passed in applications cannot be decrypted by third parties attempting to "pick" information being passed across the Internet backbone.
  • All servers run the latest version of Apache Web Server, considered the strongest and most secure Web server software on the market

Information Collected
We do not collect information that personally identifies a user of our web site unless the user voluntarily provides that information to us. When you access our web site, we automatically collect information that cannot personally identify you, including the date and time of access, the domain you use, the web site you last visited before accessing our site, and the route you travel while visiting within our web site. This information is used to measure the number of visitors to our web site and to provide better service to users through improved web site design and navigation.
We do not market our products and services to children, and we will not knowingly collect or maintain information from children via the Internet.

Member Only Areas (CU Online & eStatements)
Personal identification information (for example, account number, personal identification number (PIN), and password) is collected when a valid credit union member with active account(s) has registered to enter the secure online transactions area of our web site. This personal identification information enables us to regulate access to those who request such access and can provide the correct personal information. To protect yourself, it is important that you keep your personal identification information confidential. Select PINs and passwords that are unique to you and not easily guessed, and if possible, change them periodically. Take care to see that others are not able to view the information you enter when you use a protected area of a web site.

Cookies
We use "cookies," which are temporary text files a web site stores on a visitor's web browser to carry forward information the visitor enters on one page to others he or she visits. The cookies help to protect the privacy of a member's [customer's] transaction privacy by automatically terminating online sessions when he or she forgets to log out. When used, cookies cannot capture a user's email address, obtain data from the user's hard drive, or gain confidential or sensitive information about the user. A cookie also cannot be read by any web site other than the one that sent the cookie.

Online Forms
We provide online forms and applications to better serve the needs of our members. Personal information provided via an online form is used to process the member's request for service. Our online forms are sent directly via our secure internal network. (See Email, below.)

Email
In general, Internet email messages are not secure, unless they are encrypted. You should use discretion before submitting any personal or financial information via email. Information communicated via email messages traveling through the Internet may be intercepted, collected, used or disclosed by others. If you are concerned about the security of email communications, please send your forms or correspondence through the postal service or use the telephone to contact us directly.

Links to Other Sites
Our web sitecontains links to other web sites. These sites are not under our control. They may collect information about you that we do not. We are not responsible for the privacy practices or content of linked web sites.

If you have any questions concerning this information, please call 800-522-3535 or  405-879-5600 or visit the branch nearest you.