Members Advantage Federal Credit Union is committed to protecting the privacy of our members’ financial records consistent with federal and state laws. In the course of providing services to you, we collect information about you, some of which is nonpublic personal information. We do not sell your nonpublic personal information, but we do share such information with our service providers and others to better serve you. We share your nonpublic personal information only with contractual safeguards to protect the confidentiality of your information. We maintain strong security controls to safeguard the privacy and accuracy of communications and transactions to protect our members’ confidentiality. The purpose of this notice is to inform you of the credit union’s Privacy Policy.

Information We Collect About You

We collect and retain information about you from the following sources:

• Information we receive from you on applications and other forms (for example, name, address, social security number, assets, and income).
• Information about your transactions with us, our affiliates or others including those companies that work closely with us to provide you with our financial products and services (for example, your account balance, payment history, parties to transactions and credit card usage).
• Information we receive from a credit reporting agency or check verification agency.
• Information contained in e-mails

Information We Disclose

We may disclose all of the information we collect, as described above, as permitted or required by law and in accordance with the credit union’s privacy policy.

Disclosure of Information to Parties that Provide Services to Us

In order that we may provide members competitive products and services, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf and to other financial service providers with whom we have joint marketing agreements. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct our operations, follow your instructions as you authorize or protect the security of our financial records.

Disclosure of Information About Former Members

If you decide to terminate your relationship with us, we will not disclose any nonpublic personal information we have collected about you to anyone, except as may be permitted or required by law.

Fair Credit Reporting Act Disclosure

We are permitted by law to share any information about transactions or experiences with you. However, information taken from credit reports will not be exchanged or shared with anyone.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. All of our employees receive training regarding confidentiality and security of member information. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Your Responsibility to Protect Information

While the credit union is committed to protecting the privacy of its members, there are certain things that you should do that will help. In connection with any passwords or PIN information, you should keep that information confidential and in a separate location away from or on your computer or in your wallet or on any card. Please use caution when disclosing any account numbers, social security numbers, or other information to other persons if someone calls you. Our staff will have access to your information and will not need to ask for it.

If you have any questions regarding the credit union’s privacy policies or other questions regarding the privacy or security of your information, please contact us at your convenience.