Privacy Policy Disclosure
As you expect from Energy People Federal Credit Union, we maintain strong security controls to ensure that your personal information contained in our files and computers is protected. Where appropriate, we use security-coding techniques to protect against unauthorized access to personal records, to ensure the accuracy and integrity of communications and transactions, and to keep information we have about you confidential wherever possible.
We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy disclosure. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.
We will only obtain personal information about you in accordance with applicable laws, in response to your specific requests for services from us and other such legitimate business purposes. this information helps us verify your identity, mange our relationship with you and develop products and services that meet your needs.
You always have the opportunity to review the information we have on file about you and make necessary changes to ensure that our records are complete and accurate.
We exchange member information in response to lawful requests issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce the terms of your account(s) and/or agreements(s) with us. We also share information about you with various consumer credit reporting agencies.
Information we collect about you
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications and other forms such as your name, address, social security number, assets and income
Information about your transactions with us, such as your account balance, payment history, parties to transactions
Information we receive from a credit reporting agency such as your credit worthiness and credit history
Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers or from other institutions where you conduct financial transactions
We may disclose and reserve the right to disclose all of the information that we collect, as described above, as permitted by law.
Parties who receive information from us:
We may disclose nonpublic personal information about you to the following types of third parties:
Financial service providers, such as insurance companies, mortgage bankers
Non-financial companies, such as consumer reporting agencies, financial statement publishers, and government agencies, etc.
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. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard Your nonpublic personal information.
For precautions which you may take to protect your personal information and account.
Review your monthly account statements thoroughly and report any suspicious activity to us immediately
Do not response to e-mails requesting account numbers, passwords or PIN's. Call the institution to verify the legitimacy of the e-mail
Memorize PIN's and refrain from writing PIN's, Social security numbers, debit or credit card numbers where they could be found
Shred documents containing any sensitive information before discarding, e.g. bank statements
Confirm that an Internet site is secure by checking that the URL (Web address) begins with "https"
Review your credit report at least once every year to make sure all information is up to date