Security. We are committed to taking every reasonable precaution to protect individual identifying information that you provide to us. We restrict access to nonpublic 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 nonpublic personal information.

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 (member) 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.

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.

What members can do to help. Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. In particular, never keep your PIN with your debit card or credit card, as that makes you vulnerable in the event you lose your card or your card is stolen. Use caution in revealing account numbers, Social Security numbers, etc. to other persons. In particular, if a caller tells you he/she is calling you on behalf of the credit union and asks for your account number, you should beware. Legitimate credit union staff would already have access to that information. It’s important that the credit union has current information about how to reach you. If we detect potentially fraudulent use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

Protecting Children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.

Beware of Phishing Scams. “Phishing” scams often come as official looking e-mails that appear to have come from your credit union, bank, credit card company, or eBay, etc. The e-mail usually says that there is something wrong with your account or that they need to verify your information. These messages have been forged and are fraudulent. Your credit union, bank, credit card company, etc., will not contact you by e-mail to verify your information or inform you that you have a problem with your account. You should just delete these messages; never reply to them and never follow their instructions.

Access to Third Party Sites/E-mail. The credit union’s Web site may contain links and/or e-mail addresses to/for other Web sites owned and operated by third parties. Links to other Web sites and/or e-mail addresses are provided solely as a convenience to our members and other customers. The credit union has no control over these sites/addresses; and the credit union shall have no responsibility or liability relating to any access to such sites or communications between you and such third parties. In addition, third parties are not covered by the credit union’s privacy or other policies; and the credit union is not responsible for the privacy practices or the content of third party sites. The credit union Web site may also contain links to other Web sites owned, operated by, or affiliated with the credit union (affiliated sites). Affiliated sites are also not governed by the credit union’s privacy or other policies; and you are advised to review the privacy statement applicable to each affiliated site you visit.

Products/Services Offered By Third Parties/Affiliates. Any financial, investment, warranty, credit insurance or other products or services (“products”) which are provided by third parties or any affiliates are not products of the credit union. If the purchase of same is facilitated by or through credit union financing; such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the credit union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the credit union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same. For further information you may wish to review the information provided at the following links: http://www.ftc.gov/bcp/menus/consumer/tech/privacy http://www.ftc.gov/bcp/edu/microsites/idtheft/