Privacy Statement

Our Privacy Pledge To You

Our Commitment To You

Credit Union Mortgage Association (CUMA) recognizes and respects the privacy of its members and individuals who do business with us. We are dedicated to protecting the personal and financial information of members with the same safety and confidentiality standards used in the transaction of all CUMA interactions. To ensure the continued privacy and confidentiality of your personal and financial information, CUMA observes these practices and procedures:

Information We Collect:

We collect nonpublic personal information about you from some or all of the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us or our affiliates; and
• Information we receive from a consumer reporting agency.

As fraud and security threats increase, staying safe online is more important than ever. CUMA is your partner in security, and we take extensive measures to protect your accounts and we are committed to giving you the tools you need to stay safe. How we protect you:

• Our dedicated team monitors all accounts and cards for suspicious activity.
• Data is encrypted with the latest security technology.
• Your online and mobile sessions are automatically logged out after 15 minutes of inactivity.
• Users are locked out after three unsuccessful logon attempts.
• Logging in can be done via fingerprint or facial recognition on compatible devices.
• When there’s a login attempt from a new device, we verify that it’s you with a One-Time Passcode.
• CUMA will never call, text or email you asking you for any account numbers, Personal Identification Numbers, or card numbers.

Web Site Information

As a general policy, we do not automatically collect personal information from users of our Web site. We do collect and store information on the domain used to access our Web site, the Internet address of the Web site from which a user links to the credit union's Web site, and the date and time of the visit to our Web site. This information is used only to measure the number of visitors to our Web site and to track the route a user travels while within CUMA's Web site, in order to better serve users with improved design and site navigation.

Member-Only Areas:

Personal identification data (for example, your account number and password) are collected when a valid CUMA member with an active CUMA account has registered to enter the secure online area of CUMA's Web site. This information enables CUMA to regulate access of this information to those who request such access and those entitled to perform transactions on these account(s).

Cookies

Our Web site requires the use of cookies, which are small pieces of information a Web site stores on a visitor's Web browser to remind the site about the user the next time he or she visits the site. We do not store confidential or sensitive information in cookies. We use cookies only to enhance members' online banking session and ease navigation through our Web site. For certain applications, such as online banking, cookies are required to help protect the privacy of a member's transactions by, for example, automatically terminating the online session if the member forgets to log out. Cookies cannot be used to capture a user's email address, obtain data from the user's hard drive, or gain confidential or sensitive information about the user. Additionally, cookies cannot be read by a Web site other than the one that set the cookie. Some Web sites, however, do use cookies to obtain information from the user's browser. The user has the option to set his or her browser to notify before accepting a cookie and to control whether a cookie is accepted or rejected.

Online Forms

We provide several online forms (for example, the loan application) to better serve the needs of members. Personal information provided by a user via any of CUMA's online forms is used by us only to process the member's request for service. These forms are transmitted via secured means. However, if the user is concerned about the security of transmitting this information via the Internet, the user is encouraged to contact CUMA directly at 703-425-1204 or toll-free at 800-231-8855 to transmit the information another way.

Email Communication

Personal information that you provide may be used by CUMA to respond to inquiries for service or information, or to improve the services we provide. Since email communication may not be secure against interception by unauthorized individuals, users may want to use alternatives to email when it is necessary to provide sensitive or personal information. Likewise, CUMA will not transmit sensitive or personal information that can compromise or violate a user's privacy when communicating via email.

Text Messages and SMS

Text messaging originator opt-in data and consent will not be shared with any third parties.

Information We Disclose

We do not disclose any nonpublic personal information about members, former members, or other individuals who do business with us, except as permitted by law. We may disclose all of the information we collect from members, as described above, to companies that perform services on our behalf or to other financial institutions with which we have joint marketing agreements.

We Strive to Maintain Accurate Information About Your Accounts

Maintaining accurate information about your accounts is our highest priority. We appreciate any help you can provide us to do so. If you are aware of any inaccuracies or irregularities in your accounts, including name and address changes, notify us immediately in writing. For statement errors, notify us within 60 days of receiving your statement or we will presume your statement is correct. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have reported inaccurate information about your account to any consumer reporting agency. Send written notification with your complete name, address, Social Security number, member number, type of account, specific item of dispute, and the reason why you believe the information reported is in error. Mail your notification to CUMA; 10800 Main Street, Fairfax, VA 22030. We will investigate your concerns and correct any inaccuracies. We will confirm our actions to you. You may also contact the credit reporting agencies directly. The three most frequently used are Equifax (www.equifax.com or 800-685-1111), TransUnion (www.transunion.com or 800-916-8800) and Experian (www.creditexpert.com or 888-397-3742).

We Seek To Prevent Unauthorized Access

We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Contact Us With Questions Or Concerns About Your Privacy

Members and individuals who do business with us may receive copies of this notification by contacting CUMA. We reserve the right to modify our Privacy Policy at any time and post a revised Privacy Statement. To receive copies of this notification, visit the office or call 703-425-1204 or toll-free 800-231-8855