Privacy Code

Our principles of Privacy

Your Credit Union Board of Directors has adopted the following Credit Union Principles of Privacy, established Policies and Procedures, and appointed a Privacy Officer. Through these actions, what has been our accepted practice becomes our documented commitment to you, the member.

1. Accountability
The Credit Union is responsible for personal information under its control, and shall designate a Privacy Officer who is accountable for the Credit Union’s compliance with the principles.

2. Identifying Purposes
The purposes for which personal information is collected shall be identified by the Credit Union at or before the time the information is collected.

3. Consent
Depending on the nature and sensitivity of your personal information, your consent to the collection, use or disclosure of personal information can be implied1, expressed2 or explicit3.

4. Limiting Collection
The collection of personal information shall be limited to that which is necessary for the purpose identified by the Credit Union. Information shall be collected by fair and lawful means.

5. Limiting Use, Disclosure, and Retention
If you have provided explicit limited consent, your personal information shall not be used or disclosed for purposes other than those for which it was collected or as required by law. We shall retain your information as long as necessary to fulfill identified purposes.

6. Accuracy
Personal information shall be as accurate, complete, and up-to-date as is necessary for the purposes for which it is to be used.

7. Safeguards
Personal information shall be protected by security safeguards appropriate to the sensitivity of the information.

8. Openness
The Credit Union shall make readily available to members specific, understandable information about its policies and practices relating to the management of personal information.

9. Individual Access
Upon request, a member shall be informed of the existence, use and shall be given access to that information. A member is entitled to question the accuracy and completeness of the information and have it amended as appropriate.

10. Compliance
A member shall be able to question compliance with the above principles to the Privacy Officer accountable for the Credit Union’s compliance. The Credit Union shall have policies and procedures to receive, and respond to the member’s questions and concerns.

1 Implied consent occurs when the Credit Union can reasonably conclude that you have given consent by deciding not to withdraw or limit your consent or when you decide not to take action.

2 Expressed consent is a verbal consent provided by the member to any Credit Union representative.

3Explicit consent occurs when the Credit Union obtains written consent from a member at the time of an account opening or application for a new product or service.

 

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