California Consumer Privacy Act (CCPA) Privacy Notice

Effective Date: 07/01/2025
Last Updated: 06/26/2025

Goldenwest Credit Union and USU Credit Union, a division of Goldenwest Credit Union ("we," "our," or "us"), are committed to protecting the privacy of our members. This California Consumer Privacy Act (CCPA) Privacy Notice applies to residents of California and supplements our primary Privacy Policy.

1. Your Rights Under the CCPA

If you are a California resident, the CCPA provides you with the following rights regarding your personal information:

  • Right to Know: You have the right to request information about the categories and specific pieces of personal information we collect, use, disclose, or sell (we do not sell personal data).
  • Right to Delete: You have the right to request the deletion of personal information we have collected, subject to legal exceptions.
  • Right to Opt-Out: We do not sell personal information, but if we ever do, you have the right to opt-out of the sale of your personal data.
  • Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

2. Categories of Personal Information We Collect

We collect and use the following categories of personal information:

Category Examples
Identifiers Name, address, phone number, email, Social Security number, driver's license number
Commercial Information Transaction history, account balances, payment history
Internet/Network Activity Online banking interactions, browsing activity on our website
Geolocation Data IP address location information
Professional/Employment Data Job title, employer information (for loan applications)
Audio/Visual Data Call recordings for quality assurance

We collect this information from applications, transactions, online interactions, and other direct engagements with members.

3. How We Use Personal Information

We use personal information to:

  • Process transactions and provide banking services.
  • Protect against fraud and unauthorized access.
  • Comply with legal and regulatory obligations.
  • Improve member experiences and our services.

We do not sell personal information and only share it with service providers and affiliates as permitted by law.

4. How to Exercise Your CCPA Rights

To submit a request to access or delete your personal information, you may:

To verify your identity, we may require certain details, such as your account number or transaction history.

5. Authorized Agents

If you are submitting a request on behalf of another person, we require proof of your authorization, such as a notarized document or power of attorney.

6. Updates to This Notice

We may update this CCPA Privacy Notice periodically. Any changes will be posted on our website with the "Last Updated" date.

For more details, please visit our full Privacy Police at www.usucu.org/legal/privacypolicy.