AgFIRST FEDERAL CREDIT UNION
PRIVACY POLICY AND AGREEMENT
Trust has always been the foundation of our relationship with members. To preserve your trust, we pledge to protect your privacy by adhering to the practices described below. By signing any application or agreement with us, or your use or continued use of any of our services after receiving this document, you jointly and severally agree to the terms and conditions set forth in this Policy and Agreement. In this Agreement the terms “we,” “our,” or “us” means AgFirst Federal Credit Union; and the terms “you” or “your” means all members, consumers, borrowers and guarantors.
The Types of Information We Collect. We only collect information about our members for lawful business purposes, or as otherwise required by applicable law. We collect information about members from the following sources: (a) Applications for services, verifications, current and past employers, other forms and any communications you send to us including electronic messages from which we collect your name, addresses, phone numbers, social security numbers, financial data, birth date, gender and other information; (b) Transactions involving your accounts or services with us from which we collect information such as your name, account number, balance, payment history, parties to your transactions and credit card usage; (c) Consumer Credit Reports from which we collect information regarding your creditworthiness, credit history and account activity; and (d) Market Research Firms that provide us with a variety of information regarding our members such as the number of individuals in a household and home ownership.
You agree that the telephone numbers, street and e-mail addresses provided in your Membership Application and Signature Card, or any other application or communication sent to us are publicly available and will be used to provide notices, disclosures, statements, other communications (including but not limited to our responses to your e-mail communications) and offers for certain products or services.
The Credit Union’s Web Site. Use of our web site or linking to a site we sponsor requires the use of “cookies,” which are small pieces of information a web site stores on a visitor’s web browser to remind the site about the user the next time the site is visited. We do not store confidential or sensitive information through the use of cookies. Our use of cookies enhances our member’s online transactions and eases navigation through our web site. For certain applications, such as online transactions, cookies are required to help protect the privacy of a member’s transactions by, for example, terminating the session if the member forgets to log out. Our multifactor authentication security feature for our on-line banking product also places a cookie on your computer if you choose to enroll a specific computer. This cookie along with your member number, password and special image authenticates you to access our on-line banking site. If the cookie is not present, you must answer a challenge question to enter the on-line banking site.
We collect e-mail addresses from members who request electronic services, and from users of our web site who choose to provide their addresses.
Links from the Credit Union’s Web Site. Our website may contain links to third party websites. These links are provided as a convenience to you. We are not affiliated with or an agent of these websites. When you link to a third party website you will be leaving our website. We are not responsible for the privacy policies or practices of any other website or for the accuracy of the information displayed there. You are strongly encouraged to read their privacy policies before providing any identifying information.
The Types of Information We Disclose. To benefit our members and former members, we only share the information described in the Section above, within the Credit Union, which includes all employees, directors, agents, volunteers, committee members and field agents, and with certain trusted third parties described in this paragraph including other financial institutions with which we have joint marketing agreements and who are obligated to maintain the confidentiality and security of your private information. We use the services of various third parties to assist us in offering financial services to our members. For example, we use the services of third parties for processing or facilitating transactions using credit cards, checks (share drafts), debit cards and other access devices including on-line banking; for assistance in making loans, loan underwriting; processing loan applications; appraising collateral; statement printing; bookkeeping and accounting; consulting, business development; payroll services; item processing and collections; and for processing incoming and outgoing mail. We also work with companies and other financial institutions with whom we have joint marketing agreements that may provide financial services such as financial planning, financial counseling, investment services, IRA administration, extended automotive service contracts, guaranteed auto protection, personal, property and other insurance, credit counseling, retail automobile sales and travel services to you. We may also share information when permitted by applicable law.
Security. We are committed to taking every reasonable precaution to protect individual identifying information that you provide to us. We restrict access to nonpublic personal information about you to employees who need to know that information to provide products or services to you. We also maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Notices and “Joint Relationships.” Modification. The Credit Union reserves the right to modify, change or amend this Privacy Policy and Agreement at any Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, to the e-mail or Internet address provided by said person. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph time without notice other than as expressly required by applicable law.
What Members Can Do To Help. Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. In particular, never keep your PIN with your debit card or credit card, as that makes you vulnerable in the event you lose your card or your card is stolen. Use caution in revealing account numbers, social security numbers, etc. to other persons. In particular, if a caller tells you he/she is calling
