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 your use or continued use of any of our services after receiving this document, you jointly and separately agree to the terms and conditions set forth in this Policy and Agreement. In this Agreement the terms “we,” “our,” or “us” means North Georgia Credit Union; and the terms “you” or “your” means all members, consumers, borrowers and guarantors.
The Types of Information We Collect. We only collect information about our members for lawful business purposes, or as otherwise required by applicable law. We collect information about members from the following sources: (a) Applications for services, verifications, current and past employers, other forms and any communications you send to us including electronic messages from which we collect your name, addresses, phone 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; and (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.
You agree that the telephone numbers, 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.
We may also collect information from “cookies,” which are electronic files that capture information about you when you access our online services. However, this information is only used to facilitate the internal processing of your request or to facilitate the ease of using our Web site. We do not disclose cookie information to nonaffiliated third parties. For more information on how we use cookies and keep your information confidential contact the credit union at (706) 886-1441.
How does North Georgia Credit Union collect information about you through its Internet Web site(s) and what is done with
that information?
We consider your privacy and the confidentiality of your business with us to be paramount in the trust you place in us. When we do collect information about you, it is to facilitate our relationship. We use two methods for collecting and using information:
1. Through online forms on the Web site(s) from data you provide when requesting products, services, or information from us. Some examples include loan applications, personal information updates, and Internet communications from you.
2. By using small client-side files that reside on your computer called cookies, of which we use two types:
a. Session cookies that expire at the end of your browsing session. For our purposes these are generally used by NGCU to facilitate the internal processing of the transactions you conduct through the service.
b. Persistent cookies that expire at a date determined by us. These cookies are generally used to help us measure the effectiveness of our advertising campaigns and do not contain any personally identifiable or confidential information. They can also be used to help you personalize your experience on our Web site(s) should we choose to offer such a service.
Under no circumstances can a Web site other than those from our domain read or interact with the cookies created by our domain, and we do not share any data we may collect from cookie information that can be personally identifiable.
For more information about cookies and how they work visit: http://www.microsoft.com/info/cookies.htm
The Types of Information We Disclose. To benefit our members and former members, we only share the information described in the section above, within the Credit Union, which includes all employees, directors, agents, volunteers, committee members and field agents, and with certain trusted third parties described in this paragraph, including other financial institutions with which we have joint marketing agreements, 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 or facilitating transactions using credit cards, checks (share drafts), debit cards and other access devices including homebanking; for assistance in making loans, loan underwriting; processing loan applications; appraising collateral; statement printing; bookkeeping and accounting; consulting and business development services; and for processing our outgoing mail. We also work
with companies such as Evans, Simpson & Associates, CUNA Mutual Insurance Society, etc. that may provide financial services such as financial planning, financial counseling, investment services, extended automotive service contracts, personal, property or other insurance, credit counseling, retail automobile sales and travel services to you.
Fair and Accurate Credit Transactions Act: The Credit Union may report information about your account(s) to third parties such as credit reporting agencies/bureaus. Late payments, missed payments, insufficient funds transactions or other defaults on your loan and share/share draft account(s) may be reflected in your credit report. We may also share information when permitted by applicable law.
