Privacy Policy

US Consumer Privacy Notice

Revised 3/2024 | Download PDF

What Climb Credit Union does with your information
FACTS	What does Climb Credit Union do with your personal information?
Why?	Financial companies choose how they share your personal information. Federal law gives members 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.
What?	The types of personal information we collect and share depend upon the product or service you have with us. This information can include: Social Security number and income. Credit history and credit scores. Account balances and payment history.
How?	All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information, the reasons Climb Credit Union chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information
Reasons we can share your personal information:	Does Climb Credit Union Share?	Can you limit 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	Yes
For our affiliates’ everyday business purposes — information about your transactions and experiences.	Yes	Yes
For our affiliates’ everyday business purposes — information about your creditworthiness.	Yes	Yes
For our affiliates to market to you.	Yes	Yes
For non-affiliates to market to you.	Yes	Yes

To limit our sharing	Call 303-427-5005 - Our menu will prompt you through your choice(s) Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Who to call with questions
Questions?	Call 303-427-5005 or go to climbcu.org

Who Climb Credit Union is
Who we are
Who is providing this notice?	Climb Credit Union

What we do with your personal information
What we do
How does Climb Credit Union 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 Climb Credit Union collect my personal information?	We collect your personal information, for example, when you Open an account or deposit money Pay your bills or apply for a loan Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or others.
Why can’t I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates’ everyday business purposes - information about your creditworthiness Affiliates from using your information to market to you Sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choice will apply to everyone on your account.

Definitions of terms used on this page
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include financial companies such as Origence Lending Services, Centennial Lending, CU Members Mortgage, CUProdigy LLC, InNetwork, and CO-OP Network.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we share with can include automobile brokerage companies, professional organizations, financial management companies, and non-profit organizations.
Joint marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance companies.

Online Privacy Notice

Revised 3/2024 | Download PDF

Climb Credit Union recognizes and respects the privacy of its members and other users of its website resources. We are committed to protecting information on and within our website resources with the same safety and confidentiality standards utilized in all Climb Credit Union transactions and interactions.

Climb Credit Union is committed to making financial products and services available that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union.

As a member of our credit union, you are also responsible for safeguarding your financial information.

General Use: As a general policy, Climb Credit Union does not automatically collect personal information from users of its website resources. Climb Credit Union does collect and store information on the domain a user uses to access its website resource, the internet address of the website from which a user links to the credit union’s website resource and the date and time of the visitor’s visit to the credit union’s website resource. This information measures the number of visitors to its resource and the route a user travels while within the credit union’s website resource to serve website users better and improve design and site navigation.

Online Forms: Climb Credit Union provides several online form resources (i.e., loan application, new account application) to better serve the needs of its members. Personal information provided by a user via any of the credit union’s online forms is used by Climb Credit Union only to process the member’s request for service. If the user is concerned about the security of transmitting this information via the Internet, the user is encouraged to contact the credit union directly at 303-427-5005 or transmit the information via another resource.

Email Communication: Personal information transmitted to Climb Credit Union may be used by credit union staff to respond to inquiries for service or information or improve the service the credit union provides. Since email communication may not be secure against interception by unauthorized individuals, users may want to seek alternatives to email when it is necessary to provide sensitive or personal information. Likewise, the credit union will not transmit sensitive or personal information that can compromise or violate a user’s privacy when communicating via email unless sent securely where the email is encrypted.

Website Links: As a courtesy to our members, we may provide links to other related websites that we feel may be of interest or use to you. We assume no responsibility for the availability or content of these sites. The addition of any of these links is not to be construed as an endorsement of any services offered by these sites.

Cookies: Climb Credit Union uses small text files called cookies to collect anonymous data for purposes as allowed by law, including improving our website, services and information security. Our cookies do not collect or store any personally identifiable information.

We may share this information when required by law and with service providers who assist Climb Credit Union with tracking website usage.

By using Climb Credit Union’s website, you consent to the Credit Union’s Website Security policy.

Privacy of Children: This site is not directed to individuals under the age of 13, and we request that these individuals do not provide personal information through the site. We do not knowingly collect information from children under the age of 13 without parental consent. Visit the Federal Trade Commission at www.ftc.gov for more information about the Children’s Online Privacy Protection Act (COPPA).

Information Collected while using our Mobile App: While using our application, you may be asked to enable the following access. You can disable access for these permissions in your device settings at any time.

What information is collected from each device
Permission to Access and Collect Information from Your Device:	What data is collected?	How is it used? What data is collected?
Camera	Photos and Images when using the Mobile Check Deposit Function or live video when using Video Chat.	Images are captured when you use the Mobile Check Deposit function. Video is collected when using the Video Chat function.
Photos (Images)	Photos or Images from your mobile device camera are accessed when you use the Mobile Deposit Check function.	Images are utilized and will be uploaded to the Credit Union's servers or a Service Provider's server to process mobile check deposits.
Audio	Audio is collected when using live Audio functionality.	Live audio is utilized when using Audio Chat to speak with an agent and may be uploaded to the Credit Union's servers or a Service Provider's server.
Video	Live Video is collected when using the Video Chat functionality.	Live Video is utilized when using Video Chat to speak to an agent and may be uploaded to the Credit Union's servers or a Service Provider's server.
Location	Device Location data.	Location data is used to enable the search for branches and ATM locations near you.
Access to Storage	Allows access to files/media on the device, including SD card contents.	Storage access is used when downloading e-statements to your device or for Secure Messaging attachments.
Phone State	Allows access to information about the user's device for device identification.	Network Connections, Wi-Fi Connections and Biometrics Hardware.