Privacy Notice
Cedar Point Financial Services, Inc.
A wholly owned subsidiary of Cedar Point Federal Credit Union
Cedar Point Financial Services, Inc. is committed to protecting the privacy of its member/client(s). References to “we”, “us” and “our” refer independently to Cedar Point Financial Services, Inc. References to “you” shall mean the member/client of Cedar Point Financial Services, Inc. References to “Credit Union” shall mean Cedar Point Federal Credit Union.
In the course of providing services to you, we collect information about you. Some of this information is nonpublic personal information. We do not sell your nonpublic personal information but we share some of the nonpublic personal information with our service providers and others in order to better serve you. We share your nonpublic personal information only with contractual safeguards to protect the confidentiality of your information. The purpose of this notice is to inform you of our Privacy Policy.
If you have any questions after reading this Privacy Policy, please contact us at 301-863-7071.
Information We Collect About You. We collect information about you from the following sources:
• Information we receive from you on applications and other forms (for example, name, address, social security number, assets, and
income);
• Information about your transactions with us, our affiliate or others including those companies that work closely with us to provide you
with diverse financial products and services (for example, your account balance and payment history);
• Information we receive from a credit reporting agency (for example, your credit worthiness and credit history); and
• Information obtained when verifying the information you provide on an application or other forms (this may be obtained from your
current or past employers, or from other institutions where you conduct financial transactions).Information We Disclose. We do not disclose any nonpublic personal information about our member/client(s) and former member/client(s) to anyone, except as permitted or required by law as indicated below.
Parties Who Receive Information From Us. We may disclose nonpublic personal information about you to the following types of third parties:
• Financial service providers such as securities broker-dealers, insurance brokers, and mortgage service companies;
• Nonfinancial companies, such as, consumer reporting agencies; and
• Others, as permitted by law.Disclosure of Information to Parties that Provide Services to Us. In order that we may provide our member/client(s) competitive products and services, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf and to other financial service providers with whom we have joint marketing agreements. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct our operations, follow your instructions as you authorize or protect the security of your financial records.
Disclosure of Information About Former Member/Client(s). If you decide to terminate your relationship with us, we will not share information we have collected about you, except as may be permitted or required by law.
How We Protect Your Information. We restrict access to nonpublic personal information about you to those employees who need this information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
What You Can Do to Help. We are committed to protecting the privacy of our member/client(s). You can help by following these simple guidelines:
- Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your
account information.- Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, our staff will
have access to your information and will not need to ask for it.- Keep your information current. It is important that we have current information on how to reach you. If we detect potentially fraudulent
or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please
let us know.- Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!
Registered representative of and securities and investment advisory services offered through Hornor, Townsend & Kent, Inc. (HTK), Registered Investment Advisor, Member FINRA/SIPC, 307 International Circle Ste. 100, Hunt Valley, MD 21030, 410-821-2920. Securities are not insured by the FDIC, NCUA or any other bank or credit union insurance; are not deposits or other obligations of the financial institution and are not guaranteed by the financial institutions; and are subject to investment risks, including possible loss of the principal invested. CPFCU/CPFS is not affiliated with HTK.
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