|
Grand Valley Co-Op Credit Union is committed to protecting the privacy of our members. In general, you can visit us on the World Wide Web without disclosing to us who you are or revealing any information about yourself. There are several areas, however, that will collect certain information about you and we want you to know how we handle that information.
If you visit our website, Grand Valley Co-Op Credit Union collects and stores information on the domain you use to access our website, the Internet address of the site from which you linked directly to the site, and the date and time of your visit. This information is used to measure the number of visitors to the various pages on our site to better serve our membership.
If you send an e-mail, Grand Valley Co-Op Credit Union collects and stores personally-identifying information in order to process your e-mail, form or application. This information is not sold to any third parties. Due to the volume of e-mail activity, these messages are deleted after they are answered or completed.
If you link to another site from any of our pages, you are leaving our site pages, and we cannot be held responsible for any information that may be gathered at a linked site. We make every effort however, to ensure that all linked sites follow similar privacy policies as ours to offer you maximum security and privacy.
NOTICE OF YOUR PRIVACY RIGHTS
Grand Valley Co-Op Credit Union is 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 personal information from us as we conduct the business of the credit union
When we use the words "you" and "your", we mean the following types of members:
All of our consumer members who have a continuing relationship with us, such as:
- Deposit accounts;
- Loan accounts;
- Credit card;
- Automobile leases we service;
- Self-directed Individual Retirement accounts where we act as custodian or trustee;
- All former members
When we use "nonpublic personal information" we mean information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
When we use "affiliate", we mean a company that we own or control or an organization primarily owned by credit unions with which we jointly participate.
when we use "nonaffiliated third party", we mean a company that is not an affiliate of ours.
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, our affiliates, or others;and
- Information we receive from a consumer reporting agency.
DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US
We may disclose all of the information we collect about you as permitted or required by law. The disclosure of this information typically includes processing transactions on your behalf, as you authorize to provide you with a product or service, to conduct the operations of this credit union, and to protect the security of your and our financial records.
We only do business with companies that agree to maintain the confidentiality of your information and we limit their use of your information to what is necessary to provide you with products or services. At no time are these companies ever authorized to access or charge your account without your authorization.
PROTECTING THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF NONPUBLIC PERSONAL 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.
We maintain strict confidentiality of all information collected from consumers that perform transactions at ATMs we own or operate. We do not disclose or otherwise use such information, except to perform or complete the transaction authorized by the consumer, or as required by law.
PARTIES WHO RECEIVE INFORMATION FROM US
We do not disclose any nonpublic personal information about our members to nonaffiliated third parties, except as permitted by law.
DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS
If you decide to close your account(s) or become an inactive member, we will follow the privacy policies and practices as described in this notice.
|
