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Columbia-Greene Federal Credit Union
is owned by its
members and run by a board of directors you elect. You can
be confident that your financial privacy is a top priority of this
credit union. We are required by law to give you this
privacy
notice and to explain how we collect, use and safeguard your
personal financial information. If you have any questions,
please contact a member services representative at
1-800-421-2119 or (518) 828-5216.
We are committed
to providing you with competitive products
and services to meet your financial needs, which necessitates
that we share information about you to complete your
transactions and to provide you with certain financial
opportunities. In order to do so, we have entered into
agreements with other companies that provide either service
to us or additional financial products for us for you to consider.
Under these
arrangements, we may disclose all of the
information we collect, as described below, to companies that
perform marketing or other services on our behalf or to other
financial institutions with whom 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 information we
provide to them to other third parties.
Information We
Collect and Disclose About You
We
collect the following non-public personal information
about you from a variety of sources and may disclose all
the
information we collect to companies that perform marketing
services on our behalf or to other financial institutions with
whom we have joint marketing or business agreements.
From
membership and loan applications and other forms, we
obtain information such as name, address, social security
number and income. From your transactions with us or other
companies that work closely with us to provide you with
financial products and services, we obtain information such
as your account balances, payment history, parties to
transactions and credit card usage. From consumer reporting
agencies, we obtain information such as your creditworthiness
and credit history. From verifications of information you
provide on applications and other forms, we obtain
information from current or past employers, other financial
institutions and other sources listed on the application.
We
may also disclose information we collect about you under
other circumstances as permitted or required by law. These
disclosures typically include information to process
transactions on your behalf, conduct the operations of our
credit union, follow instructions as your authorize, or
protect the security of our financial records.
If
you terminate your membership with CGFCU, we will not
share information we have collected about you, except as permitted
or required by law.
How We Protect Your Information
We
restrict access to non-public personal information about
you to those employees who have a specific business purpose
in utilizing your data. Our employees are trained in
importance of maintaining confidentiality and member privacy.
We maintain physical, electronic, and procedural safeguards
that comply with federal regulations and leading industry
practices to safeguard your non-public personal information.
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This disclosure is required annually by NCUA
regulations & Federal Law
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Copyright
2008© Columbia-Greene Federal Credit Union
