Privacy Policy

This Privacy Policy includes three sections:

  1. Your Personal Information
  2. Online Privacy Policy
  3. Cookie Policy

Your Personal Information

Why? Financial companies choose how they share your personal information. Federal law gives consumers 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 on the product or service you have with us. This information can include:

  • Social security number
  • Account balances
  • Payment history
  • Checking account information
  • Overdraft history

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information, the reasons Cornerstone Financial Credit Union chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information Do We Share? Can You Limit This 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 No N/A
For our affiliates' everyday business purposes
information about your transactions and experiences
No N/A
For our affiliates' everyday business purposes
information about your creditworthiness
No N/A
For our affiliates to market to you No N/A

What We Do

How does Cornerstone Financial Credit Union protect my 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. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.

How does Cornerstone Financial Credit Union collect my information?

We collect your personal information, for example, when you:

  • Open an account or deposit or withdraw from your account
  • Apply for a loan or provide account information
  • Give us your income information

We also collect your personal information from others such as credit bureaus, affiliates, or other companies.

Why can I not 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. (See Other Important Information below for more on your rights under state law.)

Definitions

  • Affiliates – Companies related by common ownership or control. They can be financial and non-financial companies. Cornerstone Financial Credit Union does not share with affiliates.
  • Non‑Affiliates – Companies not related by common ownership or control. They can be financial and non-financial companies. Cornerstone Financial Credit Union does not share with non-affiliates.
  • Joint Marketing – A formal agreement between non-affiliated financial companies that together market financial products or services to you. Cornerstone Financial Credit Union does not jointly market.

Other Important Information

In accordance with state law, Cornerstone Financial Credit Union will not share information we collect about state residents with companies outside of Cornerstone Financial Credit Union, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable state law.

Contact Information

Cornerstone Financial Credit Union
PO Box 120729
Nashville, TN 37212-0729
615-385-6866
info@bankcfcu.org


Online Privacy Policy

Online Privacy Statement

Cornerstone Financial Credit Union realizes the importance of protecting the privacy of its members. It is our goal to protect personal information in every method of contact with members, whether it is in a branch, at one of our ATMs, on the telephone, or on the Internet.

We value your safety and security. For this reason we will never contact you by email or phone and ask you to supply private or personal information. Do not respond to any email that asks you for this information. If you are contacted by phone, do not respond, but call us directly. If you feel that you have been victimized, please call us immediately so that we may take immediate and effective steps to protect your account.

Information Collected Automatically Through Our Website

Cornerstone Financial Credit Union collects information only in instances where we feel it will be of assistance in providing members with quality service. Cornerstone Financial Credit Union routinely collects information used to create summary statistics in determining ways to improve online services. Information collected is vital to identifying system performance and/or problematic areas. No information that identifies a member personally is automatically collected.

Information Collected Through Email and Web Forms

When personally identifiable information is submitted, such as email correspondence containing a question or comment, we use the supplied information to fulfill or respond to request(s) as well as provide members with superior quality service. This information is also stored for reference when making improvements and/or adjustments to our website and online services. It should be noted that email is a form of communication that is not entirely within a secure environment. Please visit Cornerstone Financial Credit Union branches in person to relay any information that may contain sensitive personal information. Submitted applications do take place in a secure environment and are delivered via PGP encrypted email delivery and are generally more secure than typical email delivery.

Use of Information

Cornerstone Financial Credit Union will not provide, sell, or share your personal information to any nonaffiliated third party for independent use. We share member information only in one of the following circumstances: you authorize it; you have requested a transaction requiring it; we are reporting your information to a credit reporting agency; or we are required or permitted by law to disclose such information. Information is shared with affiliated organizations when involving products and/or services of value to members, which would otherwise not be available through the Credit Union. Additionally, to preserve vital member information, employees of Cornerstone Financial Credit Union sign agreements at the time of hire to maintain the secrecy of proprietary information.

Security

Ensuring members have secure digital banking experiences is a priority. Top-level security is achieved by protecting member privacy and confidentiality of communications to and from Cornerstone Financial Credit Union.

Several security provisions are in place by our digital banking providers to protect all sensitive data from direct access to the Internet. The following measures are employed:

  • Secure Sockets Layer (SSL) Encryption provides a secure channel for data transmission across computer networks using public key cryptography.
  • Two-part Password Protection to ensure even greater security.
  • User Options allow account holders to change passwords as desired.
  • Firewalls and Redundant Screening/Filtering Routers are gateways that verify the source, destination, and protocol of each data packet before it is sent.
  • Compliance with an SAS 70 Audit, performed by one of the Big 6 Accounting Firms.
  • An independent firm is employed to routinely perform security testing to ensure there are no problems in our security procedure.

Questions and Comments

Please send us a message if you have questions and/or comments regarding our Online Privacy Policy.


Cookie Policy

Please read this cookie policy ("policy") carefully before using bankcfcu.org and cornerstonefinancialcu.org ("website", "service") operated by Cornerstone Financial Credit Union ("us", "we", "our").

Types of Cookies

Cookies are simple text files that are stored on your computer or mobile device by a website's server. Each cookie is unique to your web browser. It will contain some anonymous information such as a unique identifier, website's domain name, and some digits and numbers.

Necessary Cookies

Necessary cookies allow us to offer you the best possible experience when accessing and navigating through our website and using its features. For example, if you choose to "Remember Computer" during online banking sign in, we use a cookie to bypass the security question requirement on future sessions.

Functional Cookies

Functionality cookies let us operate the site in accordance with the choices you make. For example, if you close an alert at the top of our homepage, we use a cookie to hide the same alert on future visits.

Performance Cookies

Performance cookies enable us to collect aggregated data for statistical purposes on how our visitors use the website. These cookies do not collect personal information and are used to help us improve your user experience of the website.

Our website uses Google Analytics to provide us information such as pageview counts, link interactions, and the types of devices using our website (desktop, phone, or tablet). We use this data to improve the website experience.

Tracking Cookies

Tracking cookies help us gauge the effectiveness of our advertisement campaigns through email and third-party websites, such as social media and search engines. We respect your privacy and try to limit tracking cookies.

Our website uses three tracking cookies to help us estimate how many people call us after engaging with our advertisements through email or third-party websites. This is possible by displaying a specific phone number on our website for those who have linked to our website from an advertisement. Our website may also use a Facebook cookie to deliver a series of advertisement products on the Facebook platform. 

Block or Delete Cookies

If you want to block or delete the cookies that are set by our website, you can do so through your browser setting. Alternatively, you can visit internetcookies.org, which contains comprehensive information on how to do this on a wide variety of browsers and devices. You will find general information about cookies and details on how to delete cookies from your device.

Questions and Comments

Please send us a message if you have questions and/or comments regarding our Cookie Policy.