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Privacy
Notice & Disclosure
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Not for Profit ... Not for Charity
... But for Service
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Falls Catholic Credit Union, your member-owned
financial institution, is committed to providing you with competitive products
and services to meet your financial needs and help you reach your goals.
We are equally committed to protecting the privacy of our members. Under
federal law, we are required to give you this privacy notice. It describes
our credit union's policy and practices concerning the personal information
we collect and disclose acout our members. It also includes information
about the parties who receive personal and sometimes nonpublic information
from us as we conduct the business of the credit union.
Please contact
us if, after reading this notice, you have questions.
Information We Collect About You
We collect nonpublic personal information about
you from the following sources:
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Information we receive from you on applications and
other forms
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Information about your transactions with us
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Information we receive from a consumer reporting
agency
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Information obtained when verifying the information
you provide on an application or other forms; thus may be obtained from
your current or past employers, or from other institutions where you conduct
financial transactions.
We may disclose all of the information we collect,
as described above, as permitted by law.
Parties Who Receive Information From Us
We may disclose nonpublic personal information
about you to the following types of third parties:
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Financial service providers, such as insurance
companies
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Non-financial companies, such as consumer
reporting agencies, data processors, check/share draft printers, plastic
card processors, and government agencies.
Disclosure of Information to Parties That Provide
Services to Us
In order for us to conduct the business of the
credit union, we may disclose all of the informationwe collect we collect,
as described above to companies that perform marketing or other services
on our behalf or to other financial institutions with whom we have joint
marketing agreements so that we may provide members competitive products
and services. We may also disclose nonpublic personal information about
you under circumstances as permitted or required by law. These disclosures
typically include information to process transactions on your behalf, conduct
the operations of your credit union, follow your instructions as you authorize,
or protect the security of our financial records.
To protect our members' privacy, we only work
with companies that agree to maintain strong confidentiality protections
and limit the use of the information we provide. We do not permit these
companies to sell the information we provide to other third parties.
Disclosure of information About Former Members
If you terminate your membership with Falls Catholic
Credit Union, we will not share information we have collected about you,
except as may be permitted or required by law.
How We Protect Your Information
We restrict access to nonpublic personal information
about you to those employees who need to know that information to provide
products or services to you. we maintain physical, electronic, or procedural
safeguards that comply with federal regulations toguard your nonpublic
personal information.
What Members Can Do to Help
Falls Catholic Credit Unionis committed to protecting
the privacy of its members. Members can help by following these simple
guidelines:
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Protect your account numbers, plastic card numbers,
PIN's (personal identification numbers) or passwords. Never keep your PIN
with your card, which can provide access to your accounts if your card
is lost or stolen.
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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 beware. Official credit union staff will have access to your
information and will not need to ask for it.
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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.
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Let us know if you have questions. Please do not
hesitate to call us -- we are here to serve you!
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