IMPORTANT NOTICE

YOUR PRIVACY RIGHTS

We want you to be aware of our policies with respect to the disclosure of nonpublic personal information about you that we have collected from you or others in connection with the financial products and services that we provide to you.

We recognize that the confidentiality of this information is extremely important to you and we hope that the information in this notice will assure you that we keep this information confidential as described herein. We will never sell your information to anybody.

We collect nonpublic personal information about you from the following sources:

1.      Information we receive from you on applications or other forms,

2.      Information concerning your transactions with us, or affiliates, or others, and

3.      Information we receive from any consumer reporting agency.

We will not disclose any nonpublic personal information about you while you are our member or thereafter, except (1) as permitted by law and (2) to nonaffiliated third parties that perform marketing services on our behalf or to other financial institutions with whom we have a joint marketing agreement (which, among other things, prohibits further disclosures by such nonaffiliated third parties except in accordance with law). The information that we may share with such nonaffiliated third parties includes the following:

1.      Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income.

2.      Information about your transaction with us, our affiliates, or others, such as your account balance, payment history, credit card usage and the like, and

3.      Information we receive from any consumer reporting agency about you, such as your creditworthiness and credit history.

            Nonaffiliated third parties and financial institutions to whom we may disclose your nonpublic personal information include the following types of third parties: insurance companies, investment advisors, and the like.

            We restrict access to nonpublic personal information about you to those of our employees who need to know that information in order to provide financial products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic information.

What You Can Do To Help

Protect your account numbers, plastic card numbers, PINs, (personal identification numbers) or passwords.  Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.

Use caution when disclosing your account numbers, social security numbers, etc. to other persons.  If someone calls you explaining the call is on behalf of the Credit Union and asks for your account number, you should be aware that official Credit Union staff would have access to your information, they will not need to ask for it.

Keep your information with us current.  If your address or phone number changes, please let us know.  It is important that we have current information on how to reach you.  If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.

Always review your statements in a timely fashion and report any suspicious activity to the Credit Union immediately.

Special Notices

In accordance with Section 326 of the USA Patriot Act, you authorize us to verify and record information that identifies each person who opens an account.  You further authorize us to check your account, credit and employment history, and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for any account or services you request.  Per Regulation V, also known as the FACT ACT, the credit union may report information about your account to credit bureaus.  Late payments, missed payments or other defaults on your account may be reflected in your credit report.

The law requires each of the major nationwide reporting agencies to provide you with a free copy of your credit report, at your request, once every twelve months. The agency information is listed below:

Experian                                               TransUnion                      Equifax

The Federal Trade Commission also recommends that  you report any incidents of identity theft directly to them.  There are several ways to notify them listed below:

Website: FTC.gov  or Toll Free at 1-877- ID-THEFT, (1-877-438-4338)

We are available to answer any questions which you may have concerning our policies with respect to your nonpublic personal information. You may call our Member Service Representatives at (978) 744-1153.