Electrus Federal Credit Union

Privacy Policy
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FACTS WHAT DOES ELECTRUS FEDERAL CREDIT UNION (EFCU) DO WITH YOUR PERSONAL INFORMATION?
WHY? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
               • Social Security number       • Payment history
               • Transaction history             • Credit history
               • Account balances                • Account transactions
When you are no longer our member, we continue to share your information as described in this notice.
HOW? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons EFCU chooses to share; and whether you can limit this sharing.
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION DOES EFCU SHARE? CAN YOU LIMIT THIS SHARING?
For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes—to offer products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes—information about your transactions and experiences No We don't share
For our affiliates’ everyday business purposes—information about your creditworthiness No We don't share
For nonaffiliates to market to you No We don't share
QUESTIONS? — Call toll-free 1-800-252-4239
WHO WE ARE
Who is providing this notice?
 
Electrus Federal Credit Union

WHAT WE DO

How does EFCU protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does EFCU collect my personal information? We collect your personal information, for example, when you:
  - Open an account
  - Make deposits or withdrawals from your account
  - Apply for a loan
  - Use your credit or debit card
  - Make a wire transfer
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only:
  - Sharing for affiliates’ everyday business purposes
  - Information about your creditworthiness
  - Affiliates from using your information to market to you
  - Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

DEFINITIONS

Affiliates Companies related by common ownership or control. They can be financial and non financial companies.
- EFCU has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non financial companies.
- EFCU does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include credit card companies and companies that perform marketing services on our behalf.

Cookies are pieces of data placed on your computer’s hard drive by a Web server that allows it to monitor your visit, usually without your knowledge. Cookies help Web sites recognize return visitors by giving data back to the server. Most cookies cannot reveal any personally identifiable information about you unless you choose to provide it as a user on a site.

The Credit Union uses cookies to personalize your online experience with us. For security reasons, we do not embed your social security number, password, or other personal information in our cookies.
 
You can set your browser to reject cookies. However, if you choose to reject cookies, you cannot use CU Online Banking with the Credit Union. You can also set your browser to warn you when placement of a cookie is requested and decide whether or not to accept it. If you are concerned about accepting cookies, you can choose to reject cookies when you are just browsing and accept cookies when you want to conduct online transactions. We suggest you review the privacy policies of the Web sites you visit before you decide whether to accept cookies from them.
 
Secure Socket Layer (SSL) technology protects the information you provide to us online. SSL is the leading security protocol for data transfer on the Internet. This technology scrambles your account information as it moves between your PC’s browser and the Credit Union’s computer systems. When you do transactions with us online SSL helps protect the safety and confidentiality of your information.

We recommend that you complete your online transactions and log off before surfing to other sites or turning off your PC. We also suggest that you do not surf to other sites during your online banking session.

Our Web site, does not knowingly collect or use personal information from children under 13 without containing verifiable consent from their parents. If a child is sending personal information to us and we are aware that the child is under 13, we will only use that information to respond directly to that child, seek parental consent, or provide parental notice. If you link to another site from any of our pages, you are leaving our site pages and Electrus Federal Credit Union cannot be held responsible for the data collection and use practices of the linked Web site. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC Web site: www.ftc.gov.

If you link to another site from any of our pages, you are leaving our site pages and Electrus Federal Credit Union can not be held responsible for any information that may be gathered at a linked site. If you have questions about this policy, please contact our Member Service Department at 763-569-4000 or 1-800-252-4239.