| PRIVACY
NOTICE AND DISCLOSURE
The
Education 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
privacy policy and practices
concerning the personal information
we collect and disclose about 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.
If after reading this notice you
have questions, please contact us
at: 937.328.2126
or write to:
Privacy Notice
The Education Credit Union
1427 West First Street
Springfield, OH 45504
Information We Collect
About You
We
collect nonpublic personal
information about you from the
following sources:
- Information
we receive from you on
applications and other forms.
- Information
about your transactions with
us.
- Information
we receive from a consumer
reporting agency.
- Information
obtained when verifying the
information you provide on an
application or other forms;
this 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:
- Financial
service providers,
such as insurance companies,
and mortgage service companies.
- Non-financial
companies,
such as consumer reporting
agencies, data processors,
check/share draft printers,
plastic card processors, direct
marketers, 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 information
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.
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 to guard
your nonpublic personal
information.
What Members Can Do to
Help
The
Education Credit Union is committed
to protecting the privacy of its
members. Members can help by
following these simple guidelines:
- Protect
your account information,
plastic card numbers, PINs
(personal identification
numbers) or passwords. Never
keep your PIN with your card,
which can provide free access
to your accounts if your card
is lost or stolen.
- 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.
- 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.
- Let
us know if you have questions.
Please do not hesitate to call
us – we are here to serve
you!
The
Education Credit Union
1427 West First Street / Springfield, OH 45504
P: 937.328.2126 - F: 937.322.4253
|
