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Chivaho Federal Credit Union, your member owned financial institution, is committed to providing you
with competitive products and services to meet your financial needs and
help you reach your goals. We are equally committed to protecting
the privacy of our members. Under federal law, we are required
to give you this privacy notice. 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.
If after reading this notice you have any questions, then please contact us at:
(740) 775-3381
or write to:
Chivaho Federal
Credit Union
VAMC Bldg. 10
Chillicothe, OH 45601
INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:
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Information we receive from you on
applications and other forms;
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Information about your transactions with us;
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Information we receive from a consumer reporting agency;
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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 also
disclose all the information 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:
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Financial
service providers, such as insurance companies.
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Non-financial
companies, such as consumer reporting agencies, data
processors, check/share draft printers, plastic card
processors, direct marketers and government agencies.
DISCLOSURE
OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US
In order for us to
conduct the business of the credit union, we may disclose all of
the information we collect, as described above, to companies
that perform marketing or other services on our behalf or to
other financial institutions with whom we have joint marketing
agreements so that we may provide members competitive products
and services. We may also disclose nonpublic personal
information about you under circumstances as permitted or
required by law. These disclosures typically include
information to process transactions on your behalf, conduct the
operations of our credit union, follow your instructions as you
authorize, or protect the security of our financial records.
To protect our
members' privacy, we only work with companies that agree to
maintain strong confidentiality protections and limit the use of
information we provide. We do not permit these companies
to sell the information we provide to other third parties.
DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS
If you terminate
your membership with Chivaho Federal Credit Union, we will not share
information we have collected about you, except as permitted or
required by law.
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. We maintain physical, electronic, and procedural safeguards that comply with federal regulations
to guard your nonpublic personal information.
WHAT
MEMBERS CAN DO TO HELP
Chivaho Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
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Protect your account numbers,
plastic card numbers, PINs (personal identification numbers)
or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
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Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains 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.
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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 an account, we will attempt to contact you immediately.
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Let us know
if you have questions. Please do not hesitate to call us ---
we are here to serve you!
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