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Privacy Statement
Bellwether Community Credit Union Online Privacy Practices
Bellwether Community Credit Union (BCCU) is committed to safeguarding information about our members and visitors to our website.
Our Privacy Policy explains our collection, use, retention and security of member information and applies to users of our products and services. Online activities may be subject to both our Privacy Policy and our Online Privacy Practices.
These Online Privacy Practices explain our use of the information we collect about you when you visit our website. They do not constitute a contract or create legal rights or modify or amend any agreements BCCU has with its members or visitors.
Personal Information
No personal information, such as your name or address, is collected by BCCU on our website without your knowledge and permission. Our servers collect standard non-identifying information about visits to this site, such as date and time visited, IP address, and pages viewed. This information is used to compile standard statistics on site usage.
With your permission, we may collect basic information from you (such as your e-mail address) during your Website visit in order to contact you regarding offers of products and services that may be of interest to you.
BCCU does not give, sell or transfer personal information to third parties, unless required by law. When you send us personally identifying information (for example, in an electronic mail message containing a question or comment or by filling out an online loan application), we use this information to fulfill or respond to your requests. This information is never sold, given, or disclosed to third parties.
Third Party Sites
This Website may contain links to third-party sites that you may find useful. BCCU is not responsible for the content or privacy practices of these other websites.
This privacy statement is for general guidance and does not constitute a contract or create legal rights and does not modify or amend any agreements we have with our members.
How We Collect Information
We may collect information online through "cookies". A cookie is a small file written to your hard drive by our server. We may use cookies to enhance your online experience, to facilitate your use of our Website and to collect site-visitation statistics. If you register for certain personalized services, or choose to save personal information on our Website, BCCU may store this information in an encrypted cookie. Our use of encrypted cookies makes your repeated online interactions with us easier by allowing you to avoid re-entering your personal information each time you visit the Website. If you are uncomfortable with our use of cookie technology, you can set your browser to refuse cookies. Certain services are dependent on cookies, and you may disable those services by refusing cookies.
Information Storage
BCCU may store the information collected during your visit in an electronic database. BCCU uses measures to protect against the loss, misuse and alteration of data stored in our systems.
Bellwether Community Credit Union Privacy Statement
YOUR PRIVACY IS IMPORTANT TO US
You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively. We work diligently to safeguard the information you give to us. In fact, we developed the following policies to ensure your confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason we ask that you please read the following information carefully.
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean Bellwether Community Credit Union. This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members:
- Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):
We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.
We first define some terms. Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section. An affiliate is a company we own or control. A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party." Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.
THE INFORMATION WE COLLECT We collect information about you from the following sources: - Information you give us on applications or other forms
- Information about your transactions with us
- Information about your transactions with other parties
- Information from a consumer reporting agency
- Information we receive as a result of verifying member information
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to 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 to protect this information.
YOUR INFORMATION AND OTHER PARTIES
We may disclose information to other parties. Here are the kinds of information we disclose to these other parties: - Information you give us on an application or other forms, such as:
- Information about your transactions with us, such as:
- Account balances
- Types of accounts
You may opt out of the disclosure of the information listed above.
State Limitations AL, AK, CA, ID and VT - We will not share this information about members who reside in Alabama, Alaska, California, Idaho or Vermont. MA, MS and NJ - We will not share any information derived from share relationships with us about members who reside in Massachusetts, Mississippi or New Jersey. If you have a loan account or other member relationship in addition to a share accountCredit union terminology for a savings account. As a credit union member, you are a 'shareholder,' or part owner of the credit union. A share account typically establishes your membership in the credit union. relationship, and you do not want us to share this information about you, you should opt out using a method described below.
Types of Other Parties We may disclose information about you to the following types of other parties: - Financial service providers, such as:
- Northeast Planning Associates, Inc.
We may also disclose information about you to other parties as permitted by law.
Reasons For Disclosing We may disclose information about you to other parties to provide you with information about additional products and services.
INFORMATION ABOUT FORMER MEMBERS
We do not disclose information about former members, except as permitted by law.
YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION
Other Parties. If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your right to "opt out." Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service. If you wish to opt out of the disclosure of your information, you may do so by using any of the following methods:
- Print this page, fill out the Opt Out Notice below and return it to us at this address:
Bellwether Community Credit Union
425 Hooksett Road
Manchester, NH 03104
Attn: Opt-Out - Complete and submit the electronic opt-out form below.
YOU HAVE THE RIGHT TO CHOOSE In this notice, we have explained our policy about the disclosure of certain information.
Other Parties. We have explained the kinds of information we may disclose to other parties. We have also explained the kinds of other parties with whom we may disclose the information. If you prefer that we do not disclose information to these other parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law). Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service. If you wish to opt out of the disclosure of your information, you may do so by using any of the following methods: - Print this page, fill out the Opt Out Notice below and return it to us at this address:
Bellwether Community Credit Union
425 Hooksett Road
Manchester, NH 03104
Attn: Opt-Out - Complete and submit the electronic opt-out form here.
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BELLWETHER COMMUNITY CREDIT UNION OPT-OUT NOTICE
__ Do not share my information with nonaffliated third parties
Signature ____________________________________________________________________
Name(s) ____________________________________________________________________
Social Security Number(s) ____________________________________________________________________
Street Address __________________________________________________
Apt # _________________________________________________________
City, State, ZIP __________________________________________________
Please complete and send this notice to:
Bellwether Community Credit Union
425 Hooksett Road
Manchester, NH 03104
Attn: Opt-Out
559835-020
©2000 Wolters Kluwer Financial Services - Bankers Systems
Form PRIVDISOPTCU 9/4/2001 2.1/2237
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