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Members First Credit Union is committed to making financial products and services available to meet your needs as a member. Information plays a crucial role in our ability to do this. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with Members First. The following is a brief summary of the steps we have always taken to respect your privacy.
- As you expect from us, we maintain strong security controls to ensure that your personal information contained in our files and computers is protected. Where appropriate, we use security-coding techniques to protect against unauthorized access to personal records, to ensure the accuracy and integrity of communications and transactions, and to keep information we have about you confidential wherever possible.
- We will only obtain personal information about you in accordance with applicable laws, in response to your specific requests for services from us and other such legitimate business purposes. This information helps us verify your identity, manage our relationship with you and develop products and services that meet your needs
- You always have the opportunity to review the information we have on file about you and make necessary changes to ensure that our records are compete and accurate.
- We only allow others to offer products and services to you when we believe these products and services to be of value. We partner only with businesses that share the same high standards for protecting the information we have about you and that follow strict confidentiality requirements.
- We may share information about you with non-affiliated third party companies in order to gather additional information about you for the purposes of improving our delivery of products and services and to offer you products and services outside our current range of products and services.
- We exchange member information in response to lawful requests issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce the terms of your account(s) and/or agreement(s) with us. We also share information about you with various consumer credit reporting agencies.
THIS IS YOUR PRIVACY POLICY DISCLOSURE AND INSTRUCTIONS. IT CONTAINS IMPORTANT INFORMATION CONCERNING OUR PRIVACY POLICY AND INCLUDES NECESSARY DISCLOSURES AS REQUIRED BY THE GRAMM-LEACH-BLILEY ACT (15 U.S.C., CH. 94, §6801 ET SEQ.)AND THE NATIONAL CREDIT UNION ADMINISTRATION RULES AND REGULATIONS (12 CFR 716). PLEASE BE CERTAIN TO READ THESE DISCLOSURES AND INSTRUCTIONS CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
Throughout these Disclosures and Instructions, the references to "We", "Us", "Our" and "Credit Union" mean MEMBERS FIRST CREDIT UNION, INC. The words "you" and "Your" mean each person applying for and/or using any of the services offered by Us. "Account" means any account or accounts established for You.
Categories of information We collect. We collect nonpublic personal information about You from the following sources:
- Information We receive from You on applications or other forms;
- Information about Your transactions with Us, Our affiliates, or others; and
- Information We receive from a consumer reporting agency.
Categories of information We disclose about exiting and former members. We may disclose the following kinds of nonpublic personal information about You:
- Information We receive from You on applications or other forms, such as Your name, address, social security number, assets, and income;
- Information about Your transactions with Us, Our affiliates, or others, such as Your account balance, payment history, parties to transactions, and credit card usage; and
- Information We receive from a consumer reporting agency, such as Your creditworthiness and credit history.
Categories of parties to whom We disclose information about existing and former members. We may disclose nonpublic personal information about You to the following types of third parties:
- Financial service providers, such as mortgage bankers, securities broker-dealers, insurance agents and credit union service organizations;
- Non-financial companies, such as retailers, direct marketers, airlines, and publishers; and
- Others, such as non-profit organizations.
We may also disclose nonpublic information about You to nonaffiliated third parties as permitted by law.
Information disclosed to service providers and joint marketing companies about existing and former members. We may disclose the following information to companies that perform marketing services on Our behalf or to other financial institutions with whom We have joint marketing agreements:
- Information We receive from You on applications or other forms, such as Your name, address, social security number, assets, and income; and
- Information about Your transactions with Us, Our affiliates, or others, such as Your account balance, payment history, parties to transactions, and credit card usage; and
- Information We receive from a consumer reporting agency, such as Your creditworthiness and credit history.
Our Policy and practices on protecting the confidentiality and security of information We have about You. 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 personal information.
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