Privacy Policy — We Protect Your Information Like We Protect Your Money

1. Information We Collect

Continental Trust collects only the information needed to provide excellent member service and meet our legal obligations. We collect information in the following ways:

• Personal Information: Name, address, phone number, email address, date of birth, Social Security number, and government-issued ID, as required by federal law (including the USA PATRIOT Act)
• Financial Information: Account balances, transaction history, credit information, and payment details necessary to service your accounts
• Technical Information: IP address, browser type, device information, and usage data to secure and improve our online services
• Communication Records: Records of your interactions with us, including support calls, emails, and chat sessions, to ensure quality and resolve disputes

2. How We Use Your Information

We use the information we collect solely to serve you as a member. Specifically, we use it to:

• Open, maintain, and service your accounts
• Process your transactions accurately and promptly
• Comply with federal and state legal and regulatory requirements
• Detect, prevent, and investigate fraud and unauthorized account activity
• Improve our products, services, and member experience
• Send you important account notices, statements, and service updates

3. Information Sharing

We will never sell, rent, or trade your personal information to third parties for marketing purposes. We may share your information only in the following limited circumstances:

• With your explicit consent or at your direct request
• With carefully vetted service providers who help us operate — bound by strict confidentiality agreements
• To comply with legal obligations, court orders, or regulatory requirements
• To protect the rights, property, or safety of our members or the credit union
• As required in connection with a merger, acquisition, or restructuring of the credit union

4. Data Security

We protect your information with the same diligence we apply to protecting your money. Our security measures include:

• Encryption: All sensitive data is encrypted in transit and at rest using industry-standard protocols
• Access Controls: Role-based access controls ensure only authorized personnel can view your information
• Continuous Monitoring: Around-the-clock monitoring for suspicious activity and potential threats
• Regular Audits: Periodic independent security assessments and penetration testing

5. Your Rights as a Member

As a UHCU member, you have meaningful control over your personal information. You have the right to:

• Access and review the personal information we hold about you
• Request corrections to any inaccurate information
• Opt out of marketing communications at any time
• Request deletion of your information, subject to legal retention requirements
• File a complaint with the NCUA or applicable state regulatory authority

6. Cookies and Tracking Technologies

We use cookies and similar technologies on our website and in our mobile app to improve your experience. These technologies help us:

• Remember your preferences and keep you securely signed in
• Understand how members use our services so we can improve them
• Protect against fraud and unauthorized access
• Ensure our website performs reliably across all devices

You may manage your cookie preferences through your browser settings at any time.

7. Third-Party Services

Our website and online banking platform may link to third-party services (such as payment processors or financial tools). We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before sharing any information.

8. Children's Privacy

Our online services are designed for adults. We do not knowingly collect personal information from individuals under the age of 13. If you believe a child has provided us with personal information, please contact us so we can address it promptly.

9. Changes to This Policy

We may update this Privacy Policy as our services evolve or as laws change. When we make material updates, we will notify you through your online banking account or by email, and we will update the "Last Updated" date at the bottom of this page.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your information, please reach out to our Privacy Officer: