Legal and Privacy

CLICO Credit Union is dedicated to safeguarding your privacy. Our website is designed to allow you
to explore CLICO Credit Union online without disclosing personal information. However, when you
opt to share personally identifiable information (details that can identify you), rest assured that it
will be exclusively used to enhance your customer relationship with CLICO Credit Union.

Our commitment to privacy is underscored through five key principles: Awareness, Choice,
Accuracy & Access, Security, and Oversight. This ensures a comprehensive and transparent
approach to handling the personally identifiable information you provide online.

Awareness

CLICO Credit Union is dedicated to safeguarding your privacy. Our website is designed to allow you
to explore CLICO Credit Union online without disclosing personal information. However, when you
opt to share personally identifiable information (details that can identify you), rest assured that it
will be exclusively used to enhance your customer relationship with CLICO Credit Union.
Our commitment to privacy is underscored through five key principles: Awareness, Choice,
Accuracy & Access, Security, and Oversight. This ensures a comprehensive and transparent
approach to handling the personally identifiable information you provide online.

What we collect

On some CLICO Credit Union web sites, you can order products or services, make requests, and
register to receive materials. The types of personal information collected at these pages are name,
contact and billing information, transaction, and credit card information.
In order to tailor our subsequent communications to you and continuously improve our products
and services, we may also ask you to voluntarily provide us with information regarding your
personal or professional interests, demographics, experience with our products, and contact
preferences

How we use it

CLICO Credit Union uses your information to better understand your needs and provide you with
better service. Specifically, we use your information to help you complete a transaction, to
communicate back to you, to update you on service and benefits, and to personalize our web sites
for you. Credit card numbers are used only for payment processing and are not retained for other
purposes.

From time to time, we may also use your information to contact you for market research or to
provide you with marketing information we think would be of particular interest. At a minimum, we
will always give you the opportunity to opt out of receiving such direct marketing or market
research contact. We will also follow local requirements, such as allowing you to opt in before
receiving unsolicited contact, where applicable.

Data collected online may also be combined with information you provide when you register your
ownership of CLICO Credit Union products.

Data collected online may also be combined with information you provide when you register your wnership of CLICO Credit Union products.

Who we share it with

CLICO Credit Union will not sell, rent, or lease your personally identifiable information to others.
Unless we have your permission or are required by law, we will only share the personal data you
provide online with other CLICO Credit Union entities and/or business partners who are acting on
our behalf for the uses described above. Such CLICO Credit Union entities and/or business partners,
are governed by our privacy policies with respect to the use of this data and are bound by the appropriate confidentiality agreements.

Choice

CLICO Credit Union will not use or share the personally identifiable information provided to us
online in ways unrelated to the ones described above without first letting you know and offering
you a choice. As previously stated, we will also provide you with the opportunity to let us know if
you do not wish to receive unsolicited direct marketing materials from us and we will do everything
we can to honour such requests

Calculators

Calculators are used as a guide only.

Accuracy & Access

CLICO Credit Union strives to keep your personally identifiable information accurate. We will
provide you with access to your information, including making every effort to provide you with
online access to your registration data so that you may view, update or correct your information at
the CLICO Credit Union site where it was submitted. To protect your privacy and security, we will
also take reasonable steps to verify your identity before granting you access or enabling you to
make corrections. To access your individually identifiable information, return to the web page
where you originally entered it and follow the instructions on that web page. Certain areas of CLICO
Credit Union’s websites may limit access to specific individuals, who do so through providing
personally identifiable information.

Links to third party web sites on the site are provided solely as a convenience to you. If you use
these links, you will leave this site. CLICO Credit Union has not reviewed all of these third-party sites
and does not control and is not responsible for any of these sites, their content or their Privacy
Policy. Thus, CLICO Credit Union does not endorse or make any representations about them, or any
information, software or other products or materials found there, or any results that may be
obtained from using them. If you decide to access any of the third-party sites linked to this site, you
do this entirely at your own risk.

Security

CLICO Credit Union is committed to ensuring the security of your information. To prevent
unauthorized access or disclosure, maintain data accuracy, and ensure the appropriate use of
information, we have put in place appropriate physical, electronic, and managerial procedures to
safeguard and secure the information we collect online. We use encryption when collecting or
transferring sensitive data such as credit card information.

Oversight

If you have comments or questions about our privacy policy, please send them to this email
address: memberservices@clicocu.com

Contact information

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