Privacy Policy

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FACTS WHAT DOES CFBANK NA DO WITH 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
  • Income
  • Account balances
  • Payment history
  • Credit history
  • Checking account information
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 CFBank NA chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does CFBank NA 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 We don't share
For our affiliates' everyday business purposes: information about your transactions and experiences No We don't share
For our affiliates' everyday business purposes: information about your creditworthiness No We don't share
For nonaffiliates to market to you No We don't share
Questions? Email us at Info@the-cf.com or go to www.the-cf.com
Who we are
Who is providing this notice CFBank NA
What we do
How does CFBank NA protect my personal 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 also maintain other physical, electronic and procedural safeguards of this information.
How does CFBank NA collect my personal information? We collect your personal information, for example, when you
  • Open an account
  • Give us your income information
  • Apply for financing
  • Give us your contact information
  • Pay us by check
We also collect your personal information from others, such as credit bureaus or other companies.
Why can't I 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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See 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.
  • CFBank NA has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • CFBank NA does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • CFBank NA doesn't jointly market.
Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

 

Mobile Privacy Policy

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FACTS What does CFBank NA do with your personal information from the mobile application?
Why? The mobile application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.

It is important for you to understand that:
  • Before granting access to this information, you will be prompted to give the application that permission.
  • If you do not wish to grant that permission, you may decline.
  • If you later change your mind, those permissions can be updated in your device's settings.
What? Some examples of information your app will request access to are:
  • Location
  • Contacts
  • Camera
How? 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.
 

The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.

Questions? Please contact CFBank NA at 1-contact@the-cf.com regarding questions about the information included in this Mobile Privacy Disclosure or questions about this application.
 

You can also access the bank's full Privacy Policy at https://www.cf.bank/Resources/Security/Privacy-Policy.

 

Information for California Residents

Last Updated 11/05/2021

Applicability

In addition to our full Privacy Policy at https://cf.bank/privacy-policy/, this CCPA Privacy Notice applies to certain California residents from whom we collect personal information as a business under the California Consumer Privacy Act of 2018 (CCPA) and its implementing regulations, as amended or superseded from time to time.

Introduction

Under the CCPA, “Personal Information” is information that identifies, relates to, or could reasonably be linked directly or indirectly with a particular California resident. The CCPA, however, does not apply to certain information, such as information subject to the Gramm-Leach-Bliley Act (“GLBA”).

The specific Personal Information that we collect, use, and disclose relating to a California resident covered by the CCPA will vary based on our relationship or interaction with that individual. For example, this Notice does not apply with respect to information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes. For more information about how we collect, disclose, and secure information relating to these customers, please refer to our Privacy Policy.

Keeping Personal Information secure is one of our most important priorities. Consistent with our obligations under applicable laws and regulations, we maintain physical, technical, electronic, procedural and organization safeguards and security measures that are designed to protect personal data against accidental, unlawful, or unauthorized destruction, loss, alteration, disclosure, or access, whether it is processed by us or elsewhere.

Collection and Disclosure of Personal Information

In the past 12 months, we have collected and disclosed to third parties for our business purposes the following categories of Personal Information relating to California residents covered by this Notice:

  • Name
  • Alias
  • Addresses
  • Online identifiers
  • Email address
  • Social Security number
  • Driver’s license and/or passport number or similar identification
  • Internet protocol address
  • Geolocation data
  • Personal characteristics, including race, gender and marital status
  • Records of personal property
  • Products or services purchased, obtained, or considered
  • Account numbers
  • Information regarding your interaction with our website
  • Professional or employment-related information
  • Financial information
  • Publicly available information

Use of Personal Information

In the past 12 months, we have used Personal Information relating to California residents to operate, manage, and maintain our business to provide our products and services, and to accomplish our business purposes and objectives, including the following:

  • To approve or decline loan or deposit account applications.
  • To service those products and service you have with us.
  • Activities to verify or maintain the quality or safety of a service controlled by us.
  • Complying with laws and regulations and to comply with other legal process and law enforcement requirements.

Sale of Personal Information

In the past 12 months, we have not “sold” Personal Information subject to the CCPA, including Personal Information of minors under the age of 16. For purposes of this notice, “sold” means the disclosure of Personal Information to a third party for monetary or other valuable consideration.

Rights Under the CCPA

If you are a California resident, you have the right to:

  1. Request we disclose to you free of charge the following information covering the 12 months preceding your request:
    1. the categories of Personal Information about you that we collect;
    2. the categories of sources from which the Personal Information was collected;
    3. the purpose for collecting Personal Information about you;
    4. the categories of third parties to whom we disclosed Personal Information about you and the categories of Personal Information that was disclosed (if applicable) and the purpose for disclosing the Personal Information about you; and
    5. the specific pieces of Personal Information we collected about you;
  2. Request we delete Personal Information we collected from you, unless the CCPA recognizes an exception; and
  3. Be free from unlawful discrimination for exercising your rights under the CCPA.

We will acknowledge receipt of your request and advise you how long we expect it will take to respond if we are able to verify your identity. Requests for specific pieces of Personal Information will require additional information to verify your identity.

For individuals submitting a request on behalf of another person, we may require proof of authorization and verification of identity directly from the person for whom the request is made.

For a company or organization submitting a request on behalf of another person, we may require proof of authorization from the individual such as a power of attorney and verification of identity directly from the person for whom the request is made.

In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. Additionally, we will not honor your request where an exception applies, such as where the disclosure of Personal Information would adversely affect the rights and freedoms of another consumer or where the Personal Information that we maintain about you is not subject to the CCPA’s access or deletion rights.

How to Exercise Your Rights

If you are a California resident, you may submit a request by:

Writing to us at: 4960 E. Dublin Granville Rd. Suite #400, Columbus, OH 43081

Calling: 866-668-8616

Questions or Concerns

You may contact us with questions or concerns about this Notice and our practices by:

Writing us at: 4960 E. Dublin Granville Rd. Suite #400, Columbus, OH 43081

Online Request at: www.cf.bank/Resources/Contact-Us/Customer-Service

Updates to the California Consumer Privacy Act Notice

We may change or update this Notice from time to time. When we do, we will post the revised Notice on this page with a new “Last Updated” date.

Download a copy of this document 

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