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PRIVACY POLICY
At your Credit Union, your privacy is our top
priority. This notice describes how we protect the privacy of your personal
non-public information and it also gives you an opportunity to let us know if
you do not want certain personal information about you disclosed to other
non-affiliated parties. Throughout this notice, the word "information" refers to
personal information about you that may not be publicly available.
Information that we collect and may disclose to others:
We collect only that information that is required in the daily processing of
your financial transactions. We never sell your personal information to third
parties such as Telemarketing organizations or any other vendors. We collect
information about you through the following sources:
> Applications for membership, loans and other requests for products you submit
to us.
> Information about your financial transaction with us.
> Information from consumer credit bureau-reporting agencies.
> Information from Credit, Debit/ATM card transactions.
> Miscellaneous other information required in providing the services requested.
Parties to whom we may disclose your information:
We may disclose information about you to the following third parties:
>Financial services providers, such as those providing Share Draft processing,
Credit & Debit/ATM processing and Insurance Services.
>Non-financial organizations that provide Statement and Marketing services.
There is only one organization that provides this service at this time.
> Bill collection agencies when required.
> Legal requests from law enforcement agencies, as permitted or required by law.
At the present time, we have an agreement with a non-affiliated organization to
perform data processing or marketing services for the Credit Union. The
information disclosed is permitted under law and is necessary to process you
account statements and you do not have an "opt out" right for these disclosures
so long as you are a member of the Credit Union.
If you decide to terminate your membership with the Credit Union or become an
inactive member, we will not share any information we have collected about you,
except as may be permitted or required by law.
How to "Opt Out" of certain disclosures of information about you:
If you prefer that we do not disclose information about you to parties that are
not affiliated with the Credit Union, you may "opt out" of these disclosures.
That is you may direct us not to make those disclosures. This "opt out" will not
apply to disclosures that are permitted by law and to those organizations that
provide the necessary financial services. If you want to "opt out" of any
organizations not affiliated with your Credit Union, please call us any business
day and make the request. The contact numbers are shown in the header of this
document. As stated earlier in this notice, currently we do not use any
non-affiliated third party organizations at this time for marketing or data
processing. All organizations that the Credit Union has agreements with have
strict privacy policies and will not sell any member personal information.
How we protect your information:
Access to your personal information is limited to employees with a specific need
to know and have business reasons for utilizing this data. Our employees are
educated about the importance of maintaining confidentiality and member privacy.
If necessary, we will take appropriate disciplinary steps to enforce our
employees' responsibility to protect your very personal information.
In order to prevent unauthorized access to your information, we maintain
standard and procedures that conform to industry practices. These standards and
procedures are routinely reviewed and/or tested to verify the integrity of our
system.
What Members Can Do to Help:
Mayfair Federal Credit Union is committed to protecting the privacy of its
members. Members can help by following these simple guidelines:
* Protect you account numbers, plastic card numbers, PINS (personal
identification numbers), or passwords. Never keep your PIN with your cards,
which can provide free access to your account if your card is lost or stolen.
* Use caution when disclosing your account numbers, social security numbers, ect.
to other persons. If someone calls you explaining the call is on behalf of the
Credit Union and asks for your account number, you should beware. Official
Credit Union staff will have access to your information and will not need to ask
for it.
* Keep your information with us current. If your address or phone number
changes, please let us know. It is important that we have current information on
how to reach you. If we detect potentially fraudulent or unauthorized activity
or use of your account, we will attempt to contact you immediately.
* Let us know if you have questions. Please do not hesitate to call us - we are
here to serve you.
Call us at (215)335-1201
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