Trust has always been the foundation of our relationship with 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 or 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, and parties to your transactions; (c ) Information we receive from consumer reporting agencies regarding your creditworthiness and credit history.

2. Categories of Information We Disclose. We do not disclose any non-public personal information about our members or former members, except as permitted by applicable law. We may disclose the nonpublic personal information we collect as described above to Financial Service Providers such as insurance companies.

3. 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 to comply with federal regulations to guard your nonpublic 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 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, 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.