Clarian
Federal Credit Union
Privacy Policy and Agreement
Trust has always been the foundation of our relationship with members.
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 by 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.
In this Agreement, the terms "we," "our," or
"us" means, Clarian Federal Credit Union; and the terms
"you" or "your" means all members, consumers,
borrowers and guarantors.
| 1. The Types
of Information We Collect. |
| |
|
|
We
only collect information about our members for lawful
purposes, or as otherwise required by applicable law.
We collect information about members from the following
sources: (a) Applications for services, other forms
and any communications you send to us including electronic
messages from which we collect your name, address, telephone
numbers, social security numbers, financial data, birth
date, gender and other information: (b) Transactions
involving your accounts or services with us from which
we collect information such as your name, account number,
balance, payment history, parties to your transactions
and credit card usage; (c) Consumer Credit Reports from
which we collect information regarding your creditworthiness,
credit history, and account activity; (d) Market Research
Firms that provide us with a variety of information
regarding our members such as the number of individuals
in a household, home ownership, etc.
You
agree that the telephone number, street and e-mail addresses
provided in your Membership Application and Signature
Card, or any other application or communication sent
to 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.
Use
of our website requires the use of "cookies,"
which are small pieces of information a website stores
on a visitor's web browser to remind the site about
the user the next time the site is visited. We do not
store confidential or sensitive information through
use of cookies. Our use of cookies enhances our members'
online transactions and eases navigation through our
website. For certain applications, such as online transactions,
cookies are required to help protect the privacy of
a member's transactions by, for example, terminating
the session if the member forgets to log out. We collect
e-mail addresses from members who request electronic
services, and from users of our website who choose to
provide their addresses. |
|
|
| 2.
The Types of Information We Disclose. |
| |
|
| |
To
benefit our members, we share the information described
in Paragraph 1 above, within the Credit Union, and with
certain trusted third parties described in this paragraph,
who are obligated to maintain the confidentiality and
security of your private information.
We
use the services of various third parties to assist
us in offering financial services to our members. For
example, we use the services of third parties for processing
transactions using credit cards, checks, debit cards
and other access devices: for assistance in making loan
decisions; and for processing our outgoing mail. We
may also disclose information about you to companies
that perform marketing services on our behalf or to
other financial institutions with whom we have joint
marketing agreements. Before entering into relationships
with our business partners, we require them to agree
to safeguard our members' information and to comply
with all applicable privacy laws.
We
may also share information when permitted by applicable
law. |
| |
|
| 3.
Security |
|
|
|
We
are committed to taking every reasonable precaution to
protect individual information that you provide to us.
We restrict access to nonpublic personal information about
you to employees of this Credit Union who need to know
that information to provide products and 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 to the person (member) listed first on any
application, agreement or other relevant document with
us. The notice will be mailed to the address noted for
said person on the application, agreement or other document.
If this person has agreed to receive notices and disclosures
electronically, then we can send all such notices and
notifications 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. |
|
|
