|FACTS||WHAT DOES CREDIT FIRST NATIONAL ASSOCIATION
DO WITH YOUR PERSONAL INFORMATION?
|Why?||Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.|
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
|How?||All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Credit First National Association chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Credit First National Association share?||Can you limit this sharing?|
|For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus||Yes||No|
|For our marketing purposes— to offer our products and services to you||Yes||No|
|For joint marketing with other financial companies||Yes||No|
|For our affiliates' everyday business purposes— information about your transactions and experiences||Yes||No|
|For our affiliates' everyday business purposes— information about your creditworthiness||Yes||Yes|
|For our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||No||No|
|To limit our sharing||
If you are a new customer, we can begin sharing your information 30 days from the date we provide this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
|What we do|
|How does Credit First National Association protect my personal information?||To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.|
|How does Credit First National Association collect my personal information?||
We collect your personal information, for example, when you
|Why can't I limit all sharing?||
Federal law gives you the right to limit only
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choice will apply to everyone on your account.|
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|Other important information|
|If your billing address is in California, you have the right to limit our sharing of your personal information to our affiliates (either for their own everyday business purposes or to market to you) and for joint marketing with other financial companies. See the notice titled "IMPORTANT PRIVACY CHOICES FOR CONSUMERS." If your billing address is in California or Vermont, we do not disclose your personal information for nonaffiliates to market to you. If your billing address is in Vermont, we do not disclose information about your creditworthiness for our affiliates' everyday business purposes or to market to you.|
To use this Site, or certain portions or features of this Site, you may be required to first complete an online registration form. During registration you may be prompted to provide to CFNA with certain personal information, including, but not limited to, your name, address, phone number, e-mail address and account information. Becoming a registered user enables you to review confidential account information for the service(s) for which you are enrolled and perform other confidential transactions.
If you browse this Site and have not registered, you are browsing anonymously. Personally identifiable information such as your name, address, phone number, and e-mail address is not collected as you browse. However, your use of this Site may be tracked, regardless of whether or not you have registered.
One way your use of this Site is tracked is by using "Cookies" which are small pieces of information that are stored by your Internet browser on your hard drive. A Cookie cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your e-mail address or any other personally identifiable information. Cookies allow us to recognize you when you return to this Site and provide you with a customized experience that we feel will be of value to you. Most web browsers allow you to exercise control over Cookie files on your computer by erasing them, blocking them, or notifying you when such a file is stored. Please take a look at your particular browser for instructions on this function. If you do elect to disable this Site's Cookies, you may not be able to take full advantage of this Site. Accepting Cookies is required if you want to view personal or confidential information online, because they are essential for site administration and security.
5. Log Files
This Site automatically collects information pertaining to your access. Such information may include your Internet protocol ("IP") address as well as other connection and usage information for system administration and troubleshooting purposes. (An IP address indicates the location of your computer on the Internet.) CFNA does not link an IP address to any personally identifiable information.
6. Changes to This Policy
7. Childrens' Online Privacy Protection Act (COPPA)
This Site is a website directed to the general public. CFNA does not knowingly collect, maintain or use personal information from children under 13.
We may use your e-mail address to send you the following types of e-mail messages:
All e-mail offers and e-mail newsletters sent to you by CFNA provide instructions on how to opt out of receiving future offers or newsletters. These instructions are located at the bottom of the e-mail message. You may receive separate newsletters pertaining to different CFNA products and services. In that case, you must reply to and decline the newsletters individually. If you opt out, we will still send you e-mail with service updates as well as other important information related to CFNA online products or services for which you are enrolled.
9. Transfer of Database
10. Data Security
This Site incorporates various physical, electronic and administrative procedures to safeguard the confidentiality of your personal information. Access to your personal information is restricted. Only employees who need access to your personal information to perform a specific job are granted access to your personal information.
11. User Name and Password
Many areas of this Site require that you log in with the use of a User Name and Password as an additional security measure that helps protect your confidential information. This allows CFNA to verify who you are thereby allowing you access to your account information and preventing unauthorized access.
When you have finished using a secure area of this Site, you should always click on the "Log Out" link that appears on each secure page. By logging out you will end your secure session. No further secure transactions can be conducted without re-entering your User Name and Password.
You should be aware that browser software often "caches" a page as you look at it, meaning that some pages are saved in your computer's temporary memory. Therefore, you may find that clicking on your "Back" button shows you a saved version of a previously viewed page. Caching in no way affects the security of your confidential User Name or Password. If you use a computer in a public place to access your account information, simply quit/exit the browser software before leaving to minimize the possibility of anyone else viewing your confidential information.
13. Linked Sites and Framed Pages