NORTH FRANKLIN FEDERAL CREDIT UNION
Privacy Notice
The North Franklin Federal Credit Union is owned by its
members and managed 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 to explain how we collect,
use and safeguard your personal financial information. If you have any
questions, please contact a member service representative at 518-483-8668.
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 services to us or additional financial
products 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 limits
the use of information we provide. We do not permit these companies to sell
to other third parties the information we provide to them.
Information We Collect and Disclose About You
We collect and may disclose nonpublic personal information
about you from the following sources:
- Information we receive from you on membership and loan applications and other forms;
- Information about your transactions with others:
- Information we receive from a consumer reporting agency;
- Information obtained when verifying the information you provide on an application
or other forms, such as from your current or past employers or from other institutions
where you conduct financial transactions.
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 your
instructions as you authorize, or protect the security of our financial records.
If you terminate your membership with the North Franklin Federal Credit Union, 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 nonpublic personal information about you to those employees
who have a specific business purpose in utilizing your data. Our employees are trained in
the 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 nonpublic personal information.
What You Can Do To Help Protect Your Privacy
NFFCU is committed to protecting the privacy of its members. Please following these guidelines:
- Protect your account numbers, card numbers, PINs (Personal identification numbers)
and passwords. Never keep your PIN with your debit or credit 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.
- Keep your information with us current. 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. If your
address or phone number changes, please let us know.
