Privacy Policy & Agreement
Trust has always been the foundation of our relationship with our members. Because you trust us with your financial and other personal information, we are committed to respect your privacy and safeguard that information. To preserve your trust, we pledge to protect your privacy by adhering to the practices described below. By signing any application or agreement with us, or your use or continued use of any of our services after receiving this document, you jointly and severally agree to the terms and conditions set forth in this Policy and Agreement.
1. The Categories of Information We Collect.
We only collect information about our members for lawful business purposes, or as otherwise required by applicable law. We maintain strict security procedures to protect your information. We collect information about members from the following sources:
(a) Information we receive from you on applications and other forms such as your name, address, social security number, assets and income;
(b) Information about your transactions with us, our affiliates, and others such as your account balance, payment history, parties to your transactions and credit card usage; and
(c) Information we receive from consumer reporting agencies regarding your creditworthiness and credit history.
You agree that the street and e-mail addresses provided in your Membership Application or any other application or notices accepted by us are publicly available and will be used to provide notices, disclosures, statements, other communications (including but not limited to our responses to your e-mail communications) and offers for certain products or services as explained in this Privacy Policy.
2. Categories of Information We Disclose.
We generally do not provide any non-public personal information about our members or former members, except as permitted by applicable law. However, we may disclose the non-public personal information described above to Financial Services Providers such as insurance agents, and to other non-affiliated third parties as permitted by applicable law.
3. Security.
We are committed to taking every reasonable precaution to protect individual identifying information that you provide to us. We restrict access to non-public personal information about you to employees who need to know that information to provide products or services to you. We also maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information.
4. Notices and Joint Relationships.
Except where expressly required by applicable law, we will provide all notices, including opt-out notifications if required, to the person (member) listed first on any application, agreement, or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, including but not limited to appropriate opt-out forms, to the e-mail or Internet address provided by said person. All joint owners, borrowers, and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.
5. Modification.
The credit union reserves the right to modify, change or amend this Privacy Policy and Agreement at any time without notice other than as expressly required by applicable law.
6. What You Can Do to Protect the Security of Your Information.
You can help protect your own financial information by:
(a) reviewing your bank statements in a timely manner;
(b) reporting bad information immediately to your credit union;
(c) safeguarding your records;
(d) keeping any and all access codes and PIN numbers confidential; and
(e) logging off after visiting on-line sessions of secure web sites such as home banking or brokerage sites.
