Your Rights…Your Privacy
We Respect Your Privacy
Privacy is fundamental to the American way of life. When you provide us with personal information in order to process your transaction(s), you fully expect your data to be used only for its intended purpose and to be kept confidential.
We respect your right to confidentiality and take every possible measure to ensure that your personal information remains personal.
In short, we work hard to earn your confidence and preserve your trust.
We value your membership and hope you will remain with us for many years to come. If you ever have questions or concerns about the integrity of your account information – or any other aspect of our membership operations – please don’t hesitate to telephone or come in to talk to our staff.
This privacy disclosure is being issued to comply with the provisions of the Gramm-Leach-Bliley Act governing the privacy of consumer financial information.
Our Privacy Disclosure
United Consumers Credit Union is committed to providing our members financial products and services to meet their needs and reach their financial goals. We are equally committed to protecting our members’ privacy. Our members can be confident that their financial privacy is a priority of this credit union.
Information We Collect and Disclose About Our Members
We collect nonpublic personal information about our members from the following sources:
- Information we receive from them on membership and loan applications and other forms;
- Information about their transactions with us or others;
- Information we receive from a consumer reporting agency; and
- Information obtained when verifying the information they provide on an application or other forms. This may be obtained from their current or past employers or other institutions where they conduct financial transactions.
We may disclose all the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. 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 member information we provide to other third parties.
In order to conduct the business of the credit union, we may also disclose nonpublic personal information about our members under other circumstances as permitted or required by law. These disclosures typically include information to:
- Process transactions on our members’ behalf;
- Conduct the operations of our credit union;
- Follow our members’ instructions as our members authorize; and
- Protect the security of our financial records.
If a member terminates their membership with the credit union, we will not share information we have collected about them, except as permitted by law.
How We Protect Our Member Information
We restrict access to your nonpublic personal information to those employees who need to know that information to provide products or services to you. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic and procedural safeguards that comply with federal regulations and leading industry practice to safeguard our members’ nonpublic personal information.
What You Can Do To Help Protect Your Privacy
United Consumers Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
- Protect your account numbers, card numbers, PINs, and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen.
- Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, and explains the call is on behalf of the credit union and asks for your account number(s), 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. 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. If your address or phone number changes, please let us know.
If you have questions concerning this notice, please do not hesitate to call us – we are here to serve you.
United Consumers Credit Union
2326 S. Savage, Independence, MO 64055