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PRIVACY POLICY AND AGREEMENT

Trust has always been the foundation of our relationship with members. Because you trust us with your financial and other personal information, we are committed to respect your privacy and safeguard that information. 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.

1. The Categories of Information We Collect. We only collect information about our members for lawful business purposes, or otherwise required by applicable law. We maintain strict security procedures to protect your information.

We collect information about members from the following sources:
● Information we receive from you on applications or other information you provide to us;
● Information about your identity such as your name, address, social security number and driver’s license number;
● Information about your transactions with us, our affiliates, or others;
● Information we receive from consumer reporting agencies.

a. Web Site Information. When you visit our web site our server automatically collects non­identifying information in the aggregate, such as: (1) date and time our site was accessed; (2) domain name and IP address (for example, “aol.com” or “ncua.gov”); (3) web browser used. This information is retained in the aggregate and is used to find out how many people visit our site to help us continually evaluate our browser.

b. E-­Mail. When you send us an e-­mail, we maintain your e-­mail address to respond to your questions or comments and to contact you at a later date if the need arises.

c. Cookies. A “cookie” is a small file containing certain pieces of information that a web site creates when you visit the site. “Cookies” help track user traffic patterns and can store that information about you. You can set your web browser to tell you when a “cookie” is set or to prevent a “cookie” from being set. Some sites collect additional information in their “cookie” files by asking customers to voluntarily provide information such as when registering before entering a site. We use “cookies” to collect information. However, we do not collect personal information, information to determine who you are, or your e-­mail address through our use of “cookies.” You can access our web site at any time without accepting a “cookie.” “Cookies” collected by us do not read data off your hard drive and do not read “cookie” files created by another web site. All members, owners, agents, and authorized users of any account or service acknowledge and agree that all information in any Account Card is publicly available, except for social security and driver’s license numbers.

2. Categories of Information We Disclose. We do not disclose any non­public personal information about our members or former members, except as permitted by applicable law. We may also disclose non­public personal information about you to non­affiliated third parties as permitted by law.

These parties include, but are not limited to the following:
Consumer Reporting Agencies. In accordance with standard “banking” practices and applicable federal and state law, we will provide information about our experiences with you to credit bureaus and other creditors.
Government. Various state and federal laws and regulations (including but not limited to, the Right to Financial Privacy Act, the Welfare Reform Act, the Bank Secrecy Act, and the Internal Revenue Code) require us, under certain circumstances, to provide certain member information to government agencies. We must comply with all state and federal laws that require mandatory production or disclosure of documents and other information.
Third Party Litigants. If you are involved in a legal proceeding, both federal and state laws provide parties to the litigation the right to compel the production of records and information from financial institutions and other third party record keepers in certain situations. We will only disclose member information to third party litigants when we are required to do so by lawful government action, judicial process or by court order.

3. Security. We are committed to taking every reasonable precaution to protect individual identifying information that you provide to us. We have security measures in place to protect
against the loss, misuse and alterations of information that is under our control.

a. Our Employees’ Access to Member Information. Employees’ access is restricted to their need to know such information for business reasons. All employees are trained to respect member privacy, and those who violate our Privacy Policies are subject to discipline.

4. What You Can Do to Protect the Security of Your Information. An important part of the responsibility of protecting your financial information rests with you. What can you do?

● Routinely review and reconcile your account statements.
● If you become aware of incorrect information either in our records or as reported by us, please notify us at any Wyochem office and we will make the necessary corrections promptly.
● Safeguard and protect your account records, passwords, logon identification and other information pertaining to your relationship with us. NEVER reveal your access codes, passwords or personal identification numbers (“passwords”) to anyone – ever!

5. Links to Third Party Web Sites. Our web site may contain links to third party web sites. We provide these links as a service to you. When you link to a third party web site you leave our web site. We want you to be aware that we are not responsible for the privacy practices of any other web site. We encourage you to read the privacy policies of any web site you access, especially if individual identifying information is being collected. We are not affiliated with or an agent of any third party web site that you link to via our web site.

6. Choosing Not to Have Your Information Shared with Others. We do not sell or share member information with non­affiliated third parties (other than may be allowed by applicable law) and have no plans to do so. In the unlikely event this changes, we will notify you, and you will be given the opportunity to instruct us not to share your non­public personal information with non­affiliated third parties

THE CREDIT UNION’S PRIVACY POLICY IS SUBJECT TO CHANGE WITHOUT NOTICE. ANY CHANGES TO THE PRIVACY POLICY WILL APPLY TO INFORMATION COLLECTED AFTER THE DATE OF THE REVISION. NO PROVISIONS CONTAINED HEREIN SHALL BE DETERMINED TO CHANGE OR ALTER ANY OTHER CONTRACTS OR POLICIES BETWEEN THE CREDIT UNION AND ITS MEMBERS.