Digital Privacy Policy in Michigan


For each user who visits CommunityChoiceCU.com, we collect information on what pages you access or visit. The information we collect is used to:
  • Improve the content of our websites for your future visits.
  • Customize the content and/or layout of our pages for each individual consumer.
  • Notify you about updates to our website (if you have asked to be notified of updates or new releases).
We also collect the e-mail addresses of those who communicate with us via e-mail in order to reply to their correspondence in order to service their accounts.

External links to third parties 
Community Choice Credit Union will frequently link to other sites as a convenience to our members. We will seek to link with other sites that adhere to similar privacy standards. For all third-party links, we disclose the following information:
  1. The member is leaving Community Choice Credit Union’s website;
  2. The member is linking to an alternate website not operated by the Community Choice Credit Union;
  3. Community Choice Credit Union is not responsible for the content of the alternate website;
  4. Community Choice Credit Union does not represent either the third party or the member if the two enter into a transaction; and
  5. Privacy and security policies may differ from those practiced by the Community Choice Credit Union.


Emails containing sensitive information
We also collect the e-mail addresses of those who communicate with us via e-mail in order to reply to their correspondence in order to service their accounts. We will never e-mail you or send you unsolicited electronic communications to request sensitive personal information or account information over the Internet or by any other means. If you suspect that an unsolicited e-mail or other electronic communication is fraudulent, please call us directly at 877.243.2528.

Non-customer (consumer) information
A consumer is an individual, or such individual’s legal representative or personal representative, who has obtained a financial product or service from the Credit Union for personal, family or household purposes or for whom the Credit Union is acting as fiduciary. A consumer is not necessarily a member of the Credit Union. The Credit Union will not disclose personal nonpublic information to non-affiliated third parties without first providing a member or consumer a clear and conspicuous notice that accurately reflects the Credit Union's privacy policies and practices, and providing a member or consumer a reasonable opportunity to opt out of such disclosures, and the member and consumer has not opted-out.


Cookies
A cookie is a way for websites to recognize whether or not you have visited the site before. A cookie is a piece of data given to a browser by a web server and handed back to the browser on subsequent visits. We use cookies at log-in registration and elsewhere when you enter customized information. Recording a cookie at such points makes your online experience easier and more personalized. It also allows us to recognize you as a member and automate your online experience. Additional information about cookies can be found here.

Enabling Cookies
  1. To enable cookies in Internet Explorer 5 or similar browsers:
  2. Start Internet Explorer, click on the "Tools" menu
  3. Next Click "Internet Options..."
  4. Click the "Security" tab
  5. Click "Custom Level..."
  6. Use the scroll bar until you can see Cookies on the left.
  7. Click "Enable"
  8. Click "OK"
  9. Click "OK" Congratulations! You have just enabled Internet Explorer to receive cookies.
  10. That's it! your browser is now configured to receive cookies.
To adjust the cookie settings in AOL 6.0 and AOL 7.0:
  1. Go to keyword: PREFERENCES to open the AOL Preferences window.
  2. From the "Organization" column, click on "Internet Properties (www)".
  3. In the AOL Internet Properties window, click on the "Security" tab.
  4. Highlight the "Internet" zone and click the "Custom Level" button.
  5. Scroll to the section labeled "Cookies." Make sure the options "Allow cookies that are stored on your computer" and "Allow per-session cookies" are enabled.

Cookies and privacy
Although there has been some debate over the privacy implications of cookies, it is important for you to know that cookies do not read your hard drive, nor can they be used to reveal anything about you that you have not chosen to enter as a user on a site. In addition, cookies are unique to servers and are not shared among web servers.

If you do not wish to receive cookies, you can set your browser to alert you of a cookie being offered or to reject all cookies. You can also turn cookies back on if your login is not recognized. Just go to the help function on your browser for complete instructions.

We do not recommend disabling cookies, as you may not be able to login or use basic features on our websites.

How do you use cookies?
We will collect information about you whenever you interact with us online either by receiving and storing information you provide or through the use of identifiers called "cookies". We use cookies to enable our computers to recognize you and facilitate your use of the website.

Can I set my computer to reject cookies?
Yes. All major browsers (Internet Explorer, Firefox, Chrome, Safari, Opera, etc.) provide the means to alert you when a cookie will be placed and give you the opportunity to accept all, some or none of them. We do not recommend disabling cookies on our website because you may not be able to login or use basic features on our website. For more information see the 'Help' information for the browser you are using.

What happens if you delete your cookies and you can't login to the site anymore?
Many popular sites, like this one, use cookies to help you login to the site. If you lose a cookie file or turn them off, the site may not be able to recognize you or recall your settings. If this happens, just turn your cookies back on and try logging back into the site.

What happens when you reject cookies?
Once a cookie is rejected, it is discarded and not saved to memory or disk.

Are cookies dangerous to your computer?
No. Presently, there are no known cases of cookies being used to introduce or spread computer viruses. Technically, a cookie cannot be used to access your hard drive. Your browser may save cookie values to your hard drive, but that is the limit of the effect on your computer system.

Children's Online Privacy Protection Act (COPPA)
Community Choice Credit Union is committed to protecting the online privacy of the children who visit our website and to complying with the Children's Online Privacy Protection Act of 1998. COPPA prohibits unfair or deceptive acts or practices in connection with the collection, use or disclosure of personally identifiable information from and about children on the Internet.

  • Personal information – Community Choice Credit Union does not collect or use underage members' personal information through this website. 
  • Site traffic records – Community Choice Credit Union collects information on domain names and dates and times of visits to CommunityChoiceCU.com. This information includes no personal identifiers and allows Community Choice Credit Union to record website traffic to improve navigation and content.
  • Cookies – Cookie information is never sold, given or disclosed to third parties. 
  • Email – Community Choice Credit Union may use feedback information from readers to respond to inquiries, comments or suggestions when emails are initiated by the visitor to the Credit Union website. Email information is never sold, given or disclosed to third parties.

Community Choice Credit Union financial education pages may include links to the external websites of others that provide products for children. These external sites are not part of Community Choice Credit Union’s services, are not under our control, and may not comply with applicable law. Because these external websites may have privacy policies that are different than Community Choice Credit Union, please consult the privacy policies of any website that asks for personally identifiable information before providing it.