Privacy Statement

Catholic United Financial’s Privacy Statement

Catholic United Financial’s Website Terms of Service

Catholic United Financial (also referred to herein using “Catholic United,” “we,” “our,” and “us”) is committed to presenting a rich Internet experience while protecting your privacy.  We therefor provide this Privacy Policy to disclose our information collection, utilization, and sharing practices for this website.  This Privacy Policy applies to any website that includes, displays, attaches, references, or links to this Privacy Policy (each the “Site”).  Unless explicitly provided herein, this Privacy Policy does not apply to the practices of companies that Catholic United does not own or control or to people that Catholic United does not employ or manage.  If you do not agree to these terms, do not access the Site.  The information we receive from you depends on what you do when you visit this Site.

Except as described in this policy, we do not sell, rent, share or disclose your personally identifiable information to or with any other organizations except our Affiliates, which are the Catholic United Financial Foundation, Catholic United Financial Credit Union and the CAA General Agency, LLC.  The Catholic United Financial Credit Union has adopted its own Privacy Policy but it is considered an Affiliate for purposes of this policy.  This Privacy Policy is not the privacy disclosure required by the Minnesota Insurance Fair Information Reporting Act, Minnesota Statutes 72A.49 to 72A.505.  We reserve the right, but not the obligation, to contact you regarding changes to this Privacy Policy and other matters relevant to the Site.

Type and Uses of Information We Collect from You:

Personally Identifiable Information (“PII”) – Generally, you can visit our Site without revealing any personal information about yourself as that term is commonly defined. Some jurisdictions have expanded the common definition of PII to include things like specific geolocation data, unique device identifiers, and other information that we may collect automatically, so you should review this Privacy Policy as a whole for a better understanding of our data collection, use, and sharing practices.

At times, we may add forms or other options for you to communicate with us and provide us information about yourself. Unless otherwise indicated, the information we request is optional, but we may offer functionality on our Site that will not work properly without you providing the requested information, or you may not be able to apply for or participate in certain opportunities through the website or obtain information we offer, such as requesting more information about our organization, finding out information about or applying for opportunities including for employment, volunteering, scholarships, grants, events, or our products and services.

Typically our contact us forms will request various forms of personal information.  These forms may also have space into which you can type a message, but please do not include sensitive information about yourself or others, including without limitation personal health information, financial information, social security numbers, or other similar information unless specifically requested by the form.

The information you provide in our various forms is generally at least used for the purposes obvious or otherwise indicated by the context of the forms.  For example, filling out a form to receive a newsletter may result in you receiving newsletters from us; signing up to be a financial donor or participation in our fundraising events may add you to our donor lists and may result in communications related to your donation, donation opportunities, public acknowledgment of your donation depending on your selected preferences for recognition, fundraising events, donation related requests, and other donor related activities and opportunities; etc.  Similarly, at various points in the Site we provide our contact information such as our e-mail addresses for various purposes, and providing us information about you or others using that contact information may result uses by us at least related to those purposes.  If you provide information about a third party you must have permission from that person to share any personal information that you provide to us.

In addition, the information you provide to us is used to provide member services and products, advertise, and communicate information about our organization, membership, our products, and our services, and to apply for membership or our products and services, to allow you to find out information about and apply for employment, to sign up for or obtain information about volunteering, to sign up for or obtain information about events, to obtain information about and apply for grants and scholarships, and to find out information about donations and to make donations.

If you provide information to volunteer for or with us or to apply for employment, we may use that information to run background checks to comply with the law or otherwise ensure you are suitable for the volunteer or employment position you are seeking.  When you submit an inquiry about a job through the Site, we may ask for various pieces of PII. We may use the information you provide to match your experience and preferences with the job openings we have, and someone from or on behalf of our organization may contact you about a possible employment opportunity. Please note that by submitting your information regarding employment opportunities with our organization, you authorize us to transmit and store your information in our recruitment database.

In particular, as to our products and services, we may collect personal information about you in order to provide, administer and service those products and services, including insurance and annuities. The type of information we collect about you depends on the products, services or benefits you request and may include the following, some or all of which may be collected through or combined with information you provide through the Site:

    • Information we receive from you on applications or other forms, such as your name, address, social security number, birth date, assets and income.
    • Information you authorize us to obtain, such as medical and hospital records. We want to assure you that medical information Catholic United receives about you will not be disclosed without your authorization, except as required by law.
    • Information about your transactions with us, such as your contract coverage, certificate values and payment history.
    • Information we receive from consumer reporting agencies, such as your credit worthiness and credit history. This type of information will be shared in appropriate situations and only to the extent required for necessary business purposes.
    • In general, information you provide to us may be combined with other information we have or gather about you for purposes of evaluating your applications for our products and services.

We may use your PII and information that you send to us for activities to monitor and maintain the quality of our products and services and the Site, to reach out to you for more information about any concerns that you express about our products and services, employment, volunteering, events, donations, scholarships, and grants and to confirm eligibility for membership in the Catholic United Financial Credit Union.

If we receive similar questions or requests to yours from other users, we may post the most frequently asked questions on our Site under a “FAQ” or similar section.  The question we post may be similar to, or the same as, the question you submitted, but we will not identify you (or anyone else) as the questioner.

Information Automatically Collected:

When you visit our Site, we may collect some information automatically. By collecting this information, we get a better understanding of your needs and what products and services we can develop, market, and sell to you to meet those needs.  Some of the information we automatically collect is necessary for the proper functioning of the Site, such as cookies as explained below. All the information we gather helps us understand your preferences and how well our Site is functioning so we can continually improve your online experience with us.  We may also use such information to improve, provide you information about, and to advertise our organization, our products and services, the Site, employment, volunteering, events, donations, scholarships, and grants.

Links, Embedded Content, and Buttons – We may keep track of how you interact with links across our Site, including our email notifications. This Site may contain links to other websites, content embedded in our Site that comes from or relates to other websites and services, and now or in the future we may use buttons from other websites and services such as social media websites like Facebook, Linked-In, Twitter, Instagram, and YouTube, and these third-parties may use cookies or other tracking devices to collect and track information about you across the Internet.  In general, you can identify these social media buttons and the companies they represent by their logos.  We are not responsible for the privacy practices or the content of these other websites or their data collection practices. You should check the privacy policies of these other websites when providing personally identifiable information or to find out what other information they collect from users, whether while on their platform or website or in relation to links, buttons, or embedded media on our Site.  Below we may provide you with links current as of the date of this privacy policy to such social media platform privacy policies.

Information From Your Computer and Device – We may ourselves, or through our third party service providers, collect information about your computer and mobile device, such as the browser, operating system, IP address, country and other geolocation data, date and time of visit, whether you are using a mobile device and what type, referring websites, the search engine queries you used to get to our Site, the pages of our Site you visit and your activities on our Site such as what images, videos, or other imbedded media you view, as well as the amount of time spent on our pages, and the number of pages visited.  Some of this information may be collected using cookies, as further explained below. This information is used for a variety of purposes as set forth above, including without limitation to gather broad demographic data, identify trends and statistics, help diagnose problems with our server, and to administer our Site, and to administer our Site and its content.  We may collect and share information between pages of our Site for the proper functioning of our Site.

Cookies – Our Site may use “cookies” to provide information on your computer and mobile device. Cookies are pieces of data that a Site can send to your browser, which may then be stored on your computer or other device.  We may use both session and persistent cookies on our own or through our third party service providers as described below.  Cookies may save your preferences while you are at our Site and we may use them to provide you with tailored information and tracking as you use our Site. Some Cookies may contain device-specific identifiers.  Cookies help us, among other things, to determine which areas of our Site are popular by tracking hits to those areas, which may in turn allow us or our third party providers to provide you with targeted information or advertising regarding our products and services. By modifying your browser preferences, you typically have the choice to accept cookies, to be notified when a cookie is sent, or to reject cookies.  The rejection or limitation of cookies by your browser may limit your ability to use the Site or inhibit its functionality.

Third-Party Service Providers  – We may use a variety of third party services to help provide our services including the Site.  These service provides may help us in developing and hosting our Site and to help us understand the use of our services, such as through Google Analytics, to provide information to us, and to provide you with information regarding our Site and our organization and services. We may also collect or otherwise gather information related to you from these third party service providers. These third party service providers may collect, store, and share information as further dictated by the privacy policies of those third parties.  Such third parties may include:

    • Google, Inc., may utilize the analytics and other data collected to track and examine the use of this Site, to prepare reports on its activities and share them with other Google, Inc. services. Google, Inc. may also use the data collected to contextualize and personalize the ads of its own advertising network to serve ads to you based on your visit to our Site and other sites on the Internet. You may view Google’s privacy policy here:  Privacy Policy – Privacy & Terms – Google,with more information located here: How Google uses information from sites or apps that use our services – Privacy & Terms – Google (including information regarding how to control how information is shared through your Ads Settings) and here: Safeguarding your data – Analytics Help (google.com).  Our integrations and use of YouTube is similarly governed by Google’s privacy policy with more information here:   How YouTube Protects Data Privacy – How YouTube Works.  You can prevent the collection of the data generated by Google Analytics in relation to your use of the Site and the processing of this data by downloading and installing the browser plug-in, with more information regarding how you can opt out of Google Analytics data collection as instructed here: Google Analytics Opt-out Browser Add-on Download Page.  This link provides instructions for installing an opt-out cookie on your device. As a result, the collection of data by Google Analytics is prevented in future for the Site and for this browser as long as the opt-out cookie remains installed in your browser.
    • Facebook (Meta) similarly provides more information regarding the information it collects and how it is used in relation to advertising along with methods to opt out of collecting and sharing of information here: Facebook Ads; and www.facebook.com/policy. Our integrations and use of Instagram is similarly governed by Facebook’s privacy policy with more information here:  Data Policy | Instagram Help Center.
    • Twitter provides more information regarding the information it collects and how it is used in relation to advertising along with methods to opt out of collecting and sharing information here and adjust your privacy settings as set forth herein:  Privacy Policy (twitter.com).
    • Linked-In provides more information regarding the information it collects and how it is used in relation to advertising along with methods to opt out of collecting and sharing information here and adjust your privacy settings as set forth herein:  LinkedIn Privacy Policy.
    • We may use Vimeo to embed videos on our website.  You can find more information regarding Vimeo’s privacy practices here: https://vimeo.com/privacy.
    • We may use WordPress as the content management system running our website.  You can view WordPress’s general privacy statement here:  Privacy Policy | WordPress.org. We may also use the Gravity Forms plugin for WordPress, and you can view the Gravity Forms general privacy statement here:  Privacy Policy – Gravity Forms.
    • We may use WPEngine for website hosting.  You can view WPEngine’s privacy statement here:  sbgi.net/privacy-policy/.
    • We may use Mailchimp to collect your e-mail information and to send you e-mails.  You can find more information regarding Mailchimp’s privacy practices here:  Intuit®: Privacy | Privacy Statement.
    • We may use Hubspot for marketing and research.  You can find more information regarding Hubspot’s privacy practices here:  HubSpot Privacy Policy.
    • We may use CrazyEgg for marketing and research.  You can find more information regarding CrazyEgg’s privacy practices here:  Crazy Egg | Privacy Policy.
    • We may use Jetpack for website functionality and security.  You can find more information regarding JetPack’s privacy practices here:  Jetpack Privacy Center.
    • We may use Tawk.to for visitor communication and data collection.  You can find more information regarding Tawk.to’s privacy practices here:  Privacy Policy – tawk.to.
    • We may use Yoast for website analytics and visitor tracking.  You can find more information regarding Yoast’s privacy practices here:  Privacy Policy • Yoast.
    • We may use Sinclair Compluse network for website analytics and visitor tracking.  You can find more information regarding Sinclair’s privacy practices here:  sbgi.net/privacy-policy/.
    • We may use Envato for website functionality.  You can find more information regarding Envato’s privacy practices here:  Privacy Policy – Envato.
    • Additional general information regarding opt-out from interest-based advertising from companies belonging to the Network Advertising Initiative can be found here: NAI Consumer Opt Out (networkadvertising.org), information regarding opting out through the Digital Advertising Alliance can be found here: WebChoices: Digital Advertising Alliance’s Consumer Choice Tool for Web US (aboutads.info).


Other vendors may include payment processors that will process donations and other payments you provide through or in conjunction with the Site.  Payment processing may be subject to additional privacy disclosures and terms of such payment processors, and you should review all such documents from such vendors if you wish to understand their policies and legal terms.

 Web BeaconsWe may employ Web beacons (also called single-pixel GIFs), which are customized links or similar technologies, on the Site and when sending you messages, newsletters, or promotional emails or in using third party service providers. Web beacons allow us to (a) determine whether you have opened, or acted upon, a promotional email and which links you have clicked on in order to deliver to you more focused communications and other content, (b) allow us to count the number of users who have visited certain webpages and effectively deliver services, and (c) enable us to compile aggregated statistics and determine the efficacy of promotions by using Web beacons from third parties.

Combining of Information – Except as set forth in this Privacy Policy, we generally do not combine information about you that is collected on the Site with information that may be collected through means other than through the Site, except that we may take information you provide to us in our various Site forms and combine it with information we have already collected about you and your interests in our products and services.  We may, but are not required to, combine information related to you collected outside of the website for user authentication, such as to verify your identity when you contact us or request information from us.


Sharing of Your Information

We will not sell, rent or lease your information to others without your consent, except as provided in this Privacy Policy. In general, the information you provide will be used to support your relationship with us, our products and services, the Site, and to reach out to you for more information and advertising about any concerns that you express about our products and services, employment, volunteering, events, donations, scholarships, and grants.  We may share information we collect about you with our Affiliates.  We may also share your PII (such as name, address, telephone number, age and years of membership) and your fraternal relationship information (such as council name) with council officers in order to facilitate fraternal activities.

We may engage third party service providers, consultants, and independent contractors to perform functions and provide services for us including without limitation those third party service providers mentioned in this Privacy Policy.  For example and without limitation, these third parties may help us with services such as reinsurance, fraternal benefits, printing and mailing. We may share the information we collect through our Site with these service providers so that they can perform services for us in relation to the Site and our organization.  We are also permitted to disclose your PII to help us underwrite insurance, process transactions and administer claims that you request or authorize.

 In addition to the situations described above, we may use and disclose visitor information in special instances when we have reason to believe disclosing this information is necessary to investigate, identify, contact, or bring legal action against someone who may be causing injury to or interfering with our rights or property, other Site visitors, or anyone else. We may disclose visitor information when subpoenaed, if ordered or otherwise required by a court of law, arbitrator, or other similar proceeding or the rules governing such a proceeding, for government investigations, with government agencies if required by law, to exercise, establish, or defend Catholic United’s legal rights, to protect your vital interests or those of any other third party, and when Catholic United’s otherwise believes in good faith that any applicable law requires it.


Other Information Practices

Your Nevada Opt-Out Rights – We do not sell your personal data, but nevertheless we offer an opt out to sales of consumer data in an overabundance of caution as required by, and to ensure compliance with, Nevada law.  Verified requests under Nevada law (NRS 603A) to not make any sale of any covered information we have collected or will collect regarding a consumer, as defined in that law, may be sent to info@catholicunited.org.  Please include in any such request email “Request for Nevada Opt-Out” in the subject line and in the body of the message.

Access to Personal Information for Reviewing, Editing, and/or Removing – If you wish to discuss this Privacy Policy and the information we collect, you may contact us at the address provided in this Privacy Policy.   At this time, we may not be able to specifically identify and provide you with any or all of the information we have collected about you for your review, editing, or deletion from our records.  In order to provide you with any information for your review, editing, or our deletion from our records, Catholic United may request that you prove your identity to the satisfaction of Catholic United or as otherwise required by applicable law.

Security – We take commercially reasonable steps to protect data transmitted through our Site, and we rely upon our third party vendors to supply security for the services they provide.  We cannot and do not ensure or warrant the security of any information you transmit to us or from our online products or services. You transmit information to us at your own risk and should take all necessary precautions regarding the information you transmit, either to our Site and its related vendors or elsewhere on the Internet.

Children – Protecting the privacy of children is very important to us. For that reason, our Site does not solicit, collect, or maintain personally identifiable information from users we actually know are under age 18.  Parents and guardians of those that are under 18 and who are adult users of the Site may submit information to us about such minors.  If you are a parent or guardian, please contact us if you believe information regarding a child has been otherwise collected by us through our Site.

Business Transfers and Taxing Authorities In the event that we are involved in a bankruptcy, merger, acquisition, reorganization or sale of assets or change in our ownership or control, your information may be sold or transferred as part of that transaction to actual or prospective transactions partners and their consultants, advisors, counselors, and agents, and otherwise shared to facilitate that transaction before, during, and after that transaction is completed. The promises in this Privacy Policy will continue to apply to your information.  As a nonprofit entity, we may also be subject now or in the future to laws and regulations requiring the transfer of information to regulators or other governmental agencies such as the Internal Revenue Service or state taxing authorities.

Do Not TrackPresently the Site does not honor “do not track” settings on web browsers and does not offer you the opportunity to request that we not track your use of its services except as otherwise stated in this Privacy Policy.

Changes to this PolicyWe may revise this Privacy Policy from time to time. The most current version of the policy will govern our use of your information and will always be available by clicking the Privacy Policy link in the footer of the main page of the Site. Please check this link often for changes. By continuing to access or use the Site after those changes become effective, you agree to be bound by the revised Privacy Policy.

Catholic United Financial

3499 Lexington Ave. N St Paul, MN 55126

651-490-0170 1-800-568-6670

info@catholicunited.org   •   www.catholicunitedfinancial.org