The directors, management and staff of OUR Credit Union are concerned about and respect the privacy of our members' personal financial information. We understand that our members furnish sensitive information to the credit union in the course of daily business, and the credit union is committed to treating such information responsibly. We know that our members expect privacy and security for their personal and financial affairs. OUR Credit Union will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our members. The following outlines practices regarding personally identifiable financial information for members and other with which we establish a "member relationship," pursuant to 12 CFR section 716 of NCUA's Rules and Regulations.
Types of Information the Credit Union Collects
At OUR Credit Union, we collect nonpublic personal information from many sources. The credit union collects nonpublic personal information directly from members, joint owners, co-borrowers, and guarantors on various applications and forms, for example, loan applications, deposit account applications, and requests for information about accounts or products and services.
The credit union also collects information as a result of transactions between the credit union and such individuals and as a result of providing our products and services.
This includes transaction information from share drafts (checks), debit cards, credit cards, automated teller machine (ATM) cards, and electronic transfers (for example, home banking or automated clearinghouse (ACH) transactions). This also includes information that is collected from a consumer-reporting agency, such as: creditworthiness and credit history.
Type of Information the Credit Union Discloses
We may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the member information we provide to other third parties.
We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law.
Safeguarding Member Information
At OUR Credit Union, 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, and procedural safeguards that comply with federal regulations to guard your nonpublic information.
If you ever have questions or concerns about the integrity of your account information please contact us.