SMS Text Messaging Privacy Policy FAQ

Castparts Employees Federal Credit Union collects your name, email address, and phone number to send you text messages regarding your account(s). We only use this information for messaging purposes as described in this policy. Information collected through SMS Text Messaging can be shared with other current employees of Castparts Employees Federal Credit Union. The information collected is not shared outside of the credit union and is not shared with any SEG (Select Employer Group), including PCC.

We do not share your personal data with third parties for any purposes. Your information is only used by Castparts Employees Federal Credit Union and our SMS service provider to send you requested information and/or updates.

Access to your financial records, including SMS text communications, may be subject to the Right to Financial Privacy Act of 1978 (RFPA) (Rev. 2001)

• Under the RFPA, covered members are individuals or partnerships of 5 or fewer individuals. Corporations, trusts, estates, unincorporated associations such as unions, and large partnerships are not covered by the RFPA. Therefore, the availability of RFPA protection depends on the type of person or entity whose records are sought. SMS text messages may be considered part of a financial record depending on content.
• An FCU may disclose financial records to a government authority if the disclosure is required in accordance with any federal statute or rule. 12 U.S.C. §3413(d). The RFPA also has special procedures for requests from a government authority authorized to conduct foreign counter- or foreign positive-intelligence activities for purposes of conducting such activities. 12 U.S.C. §3414(a)(1)(A). In addition, the RFPA has special procedures for requests from a government authority authorized to conduct investigations of, or intelligence or counterintelligence analyses related to, international terrorism for the purpose of conducting such investigations or analyses. 12 U.S.C. §3414(a)(1)(C)

SMS text messaging is not exempt from regulatory requirements regarding the filing of a Suspicious Activity Report (SAR) with the Financial Crimes Enforcement Network (FinCEN), part of the Department of Treasury.

To opt-in to SMS alerts, enroll for online banking at https://my.homecu.net/banking/hcuActivate.prg?cu=CEFCU.

• View our SMS Text Opt Out Instructions here
• You can reply STOP at any time in the message string to unsubscribe from further text messaging
• You can call member services at (503) 771-2464
• To opt back in to SMS text messaging, please contact the credit union directly at (503) 771-2464
• You will be removed from our messaging list within 10 days

We use your phone number solely to communicate with members listed on the account. We will communicate general information, including but not limited to, important updates, alerts, account activity, potential fraud and/or event notifications, and confirm personal information changes. We will not use a phone number provided for SMS text messaging to update personal information or initiate a transaction except to authorize loan payments from your account to a loan held by the credit union.

• SMS text messaging is facilitated through our HIPAA Compliant SMS provider, Syndeo, LLC dba Broadvoice (https://broadvoice.com/security-and-trust/). We use restricted access controls and secure storage solutions to protect your data from unauthorized access or misuse. We will retain your contact data for as long as needed to fulfill the purposes outlined in this policy. Personal information is securely deleted or anonymized once you are no longer our member, or upon request, unless otherwise legally required.

Contact us at the credit union at (503) 771-2464