NEWPORT BEACH CITY EMPLOYEES FEDERAL CREDIT UNION
Member Privacy Policy
The Protection of our members’ privacy and the safekeeping of confidential information are of the utmost concern to the Credit union. As such, you can rely on our commitment to protect confidential information relating to you and your account. We have developed the following privacy policy and approach that respects and addresses your needs. We firmly believe that all personal information and financial information specific to you that you provide through any channel constitutes personal information.
Web Site Commitment to Privacy
Your privacy is taken very seriously by us and we want you to know that we will not sell information about you to any third party company or website.
PIN Security
Every member is responsible for protecting the secrecy of his or her PIN. You should never give this number to any unauthorized persons.
Encryption
Encryption is a technical term for scrambling meaningful text and numbers at one location and transmitting them across the Internet to another location. The encryption process uses complex algorithmic formulas to create a key that is used to translate the information back into useable content. There are billions of potential keys and a different key is used for each Active WebSite session. All confidential information sent to and requested by this site is encrypted. The credit union submits the account information using Secure Socket Layer (SSL) encrypted network transmissions. This is extremely secure and the most compatible encryption for worldwide use.
Limitation of Liability
The Credit Union makes every effort to supply accurate links to other sites, however these links may change from time to time. If you find any “non-working links”, we’d appreciate an e-mail at info@nbcefcu.com to advise us of the problem. The contents of the hyperlink website is not endorsed by the credit union. Any decisions made by the user about this site or other hyperlinks is the sole responsibility of the user.
We strive for complete accuracy in our sites, but cannot guarantee that mistakes will not happen. The information on the websites is subject to change at any time.
Collection of Information
- When you apply for a Credit Union account or service, we collect personal information in order to process your application. We may retain this information so that we can provide the products and services that you request. Some of this information may also be handled by our operating partners (for example, CUNA Mutual Group needs specific data if you request Credit Life or Disability Insurance on a loan product).
- 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 you send us e-mail, we will retain the content of the e-mail, your e-mail address, and our response in order to handle and follow-up questions you may have. We also use it to measure how effectively we address your concerns.
When Information May be shared
The Credit Union only shares information for legitimate business reasons, with the ultimate goal of bringing you greater convenience and more choices. Information will be shared only if the Credit Union determines that your interests would be served and/or within the legal framework of the law.
Personal financial information such as your account balance or loan information will never be shared except: (1) when necessary to complete a transaction, (2) when a third party is verifying the existence or condition of your account with applicable law, (3) when such disclosure is in compliance with the law, government agencies, or court orders, (4) when you give us your written permission, or (5) to protect secured assets or the assets of the Credit Union.
Information shared with affiliates will be limited to contact information such as your name and address. Information obtained from outside sources (such as the credit bureau) will never be released by the Credit Union.
The Credit Union strives to assure that all affiliates maintain privacy standards comparable to our own; therefore; before we share any information with an affiliate, the Credit Union will first obtain a written confidentiality statement from the affiliate. And then, and only then, if the information is required to provide a product or service you have requested.
The Credit Union does not and will not sell or provide personal information to third parties for independent use.
Accuracy of Personal Information
The Credit Union will take reasonable precautions to protect the accuracy and reliability of your member information; however, you are responsible for updating your member records from time to time in order to assure its accuracy. The Credit Union will respond to your requests to update information on your account as quickly as possible.
Internal Procedures
The Credit Union uses multiple levels of security; beginning with your browser and ending with a trusted operating system that acts as virtual information vault inside the Credit Union. Information we receive via online applications is secure and requires industry standard Secure Socket Layer encrypted browsers.
Staff may access your account information only when necessary for business reasons.
The Credit Union has also established appropriate internal security standards to protect against unauthorized access to member information.
Cookies
The terminology "cookie" is used to describe a nugget of data that is stored on your hard drive as a file. Cookies make it easier, quicker, and more secure for you to log into and use the Active WebSite.
We use a temporary cookie to verify who you are while using the Active Website. Your privacy is not compromised by these cookies. The cookie placed on your hard drive can only be used by your credit union's Active WebSite. Cookies cannot be executed as code or deliver viruses. In order to access our secure site, you must allow the temporary cookie. The temporary cookie is removed after you exit the secure site section.
Availability of Policy
The Credit Union is proud of its commitment to member confidentiality, and will make this policy available to any member requesting a copy.
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