| We understand
the importance of protecting the privacy of our members. As such,
we are committed to maintaining the confidentiality of each
member's financial records consistent with state and federal laws.
The following sets forth our policies regarding or use and protection
of your financial information.
During the
course of business we collect non-public personal information
about you from the following sources:
- Information
we receive from you on applications or other forms;
- Information
we obtain when verifying the information we receive from
you;
- Information
about your transactions with us, our affiliates, or
others; and
- Information
we receive from a consumer reporting agency.
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Generally, we may share all information we collect about
you as described above, with nonaffiliated third parties to
complete transactions and maintain accounts and related records
(such as data processing transactions and records). We may also
share such information with select nonaffiliated third parties if:
1) you request or authorize it; 2) the information is provided to
help complete a transaction initiated by you; 3) the information
is provided to a consumer reporting agency in accordance with the
Fair Credit Reporting Act; or 4) the disclosure otherwise is
lawfully required or permitted. Also, we may enter
into agreements with other businesses to provide support or
services to us or for one or more of our products, such as mailing
houses that assist us in delivering your statements and other
promotional materials. Under certain circumstances we may also
enter into joint marketing agreements with other financial service
providers, such as mortgage bankers, securities broker-dealers,
and insurance companies and agents. Before entering into
relationships with such entities, we require them to agree to
safeguard our member's information and to comply with all
applicable privacy laws. Furthermore, we may
also disclose nonpublic personal information about you to other
nonaffiliated and affiliated third parties not described above as
permitted by law and by our policies. Because of the
limited way we share information with nonaffiliated third parties,
we are not required to provide you with the opportunity to opt-out
from the disclosure of information to nonaffiliated third
parties. If you decide to terminate your membership or become an
inactive member, we will adhere to the privacy policies and
practices as described in this notice. Pursuant to the Fair
Credit Reporting Act ("FCRA"), it is the Credit Union's
practice to share Transaction/Experience Information (as defined
by the FCRA) with its affiliates and nonaffiliated third parties
to the extent permitted by law. We restrict access to
your personal and account information to those employees who need
to know that information to provide products or services to you.
Our employees access information about you when needed to
administer your accounts, to provide requested services, or in
response to a legally valid outside request or order (such as a
subpoena). In addition, our employees may also access information
to exercise our rights under the law or pursuant to any agreement
with you. We maintain physical, electronic, and procedural
safeguards that comply with federally regulations to guard your
nonpublic personal information. We strive to ensure
that our records contain accurate information about you. If you
see any inaccuracies in your statements, please call (714)
871-8400. We will promptly investigate and make any necessary
changes to update your records. We reserve the right
to revise our policy as our business needs change or as the law
requires. If we revise our policies, we will provide our active
members with copies of our new policies at that time. return
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