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St. Joseph’s Credit Union recognizes the importance of our responsibility in protecting our members’ private information. We want to protect the personal and financial information that you have entrusted to us. Therefore, we have developed the following privacy policy and approach that respect and addresses your needs. We believe that all personal and financial information specific to you that you provide to the Credit Union through any channel constitutes personal information. Collection of Personal Information: When you apply for a Credit Union account or service, we collect personal information in order to process your application. This information may be retained by us so that we can provide the products and services you request. Some of this information is also handled by our operating partners. Our operating partners have agreed to abide by our policy. When you open or use an account or service from the Credit Union, we retain personal information you provide in the context of using that product or service, including transaction information. When we offer online services, our data system records certain online information, including the transactions you conduct online. These data enable us to process and confirm your transactions. When you send us e-mail, we will retain the content of the e-mail address and our response in order to assure we have adequately addressed your inquiry and to handle any follow up questions you may have. We may also use it to measure how effectively we address your concerns. Use and Sharing of Personal Information: The Credit Union will use personal information as appropriate in the normal course of our business to provide the products and services you requested. We will also use this information to provide positive identification of you when you contact us. We will not disclose information to third parties (excluding credit union affiliates) concerning your account with us, except: (a) when such disclosure is necessary to complete the transactions; (b) to verify the existence and condition of your account for a third party (such as a credit bureau) as permitted by law; (c) to comply with any court order or applicable laws or regulations; or (d) when you give us your written permission. The Credit Union does not and will not sell or provide personal information to third parties for independent use. We may, however, share personal information with our credit union affiliates as allowed by federal law, if that information is required to provide a product or service you have requested. Accuracy of Personal Information: The Credit Union intends to exercise reasonable procedures in order to assure the accuracy of our records and your personal information. Please call or write to a Credit Union representative, so the Credit Union can investigate your issue and update your records as needed. We request that you keep your personal information as current as possible so that you may get the maximum benefit from the Credit Union. Protection of Personal Information: The Credit Union uses multiple levels of security, beginning with your browser and ending with our affiliates hosting our web site. Information we receive via online applications is secure and requires industry standard Secure Socket Layer encrypted browsers. Protecting your privacy is an ongoing process. We will continue to review the measures we take to safeguard your personal information. These reviews will result in new measures to protect member records, as the Credit Union makes changes to its information security practices and other internal control systems to take advantage of new technology. |
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