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NEWSLETTER
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Member
Adirondack Regional
Chamber of Commerce
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Privacy
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Parks Heritage Federal Credit Union is owned by members
and run by a Board of Directors, elected by it's membership.
You can be confident that your 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 information.
We are committed to providing our members with competitive
products and service to meet their financial needs,
which necessitates that we share information about
members to complete your transactions and to provide
them 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 you.
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 to other third
parties the information we provide to them.
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| INFORMATION
WE COLLECT AND DISCLOSE ABOUT YOU |
- 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 our members
with financial products and services, we obtain
information such as member account balances, payment
history, and parties to transactions.
- From consumer reporting agencies, we obtain information
such as members' 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
members under other circumstances as permitted or
required by law. These disclosures include information
to process transactions on your behalf, conduct the
operations of our credit union, and follow your instructions
as you authorize or protect the security of our records.
If you terminate your membership with Parks
Heritage Federal Credit Union, we will not share information we have collected
about you, except as permitted or required by law.
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| 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. |
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