Privacy Statement
NSWC Federal Credit Union Privacy Notice
NSWC Federal Credit Union Web Site Privacy Policy
NSWC Federal Credit Union ("Credit Union"), your member owned financial institution, is committed to providing you financial products and services to meet your needs and reach your financial goals. We are equally committed to protecting our members' privacy. You can be confident that your financial privacy is a priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at (540) 663-2181.
Information We Collect And Disclose About You
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications and other forms;
- Information about your transactions with us or others;
- Information we receive from a consumer reporting agency;
- 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.
- Information collected from the use of cookies (see below under heading "Cookies").
NSWC Federal Credit Union works closely with its affiliate, NSWC Financial Services, LLC, to offer members a wide variety of financial products and services. We may disclose nonpublic personal information about members, such as name and address, to NSWC Financial Services, LLC.
In addition to our affiliate, we may share 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.
Except as described above, NSWC Federal Credit Union does not presently share this information and we will contact you and provide you an opportunity to "opt-out" of the sharing of consumer report information before we do so.
In order to conduct the business of the credit union, we may also disclose nonpublic personal information about you under other 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.
NSWC Federal Credit Union does not share information we have collected on former members except as permitted or required by law.
Privacy on Our Web Site
NSWC Federal Credit Union uses an integrated security system to protect your account data from exposure to unauthorized persons over the Internet. We use a multi-tiered security system that governs all aspects of our on-line service. Our on-line security enables members to conduct business with the credit union via the Internet with an extremely high degree of security.
Only the Credit Union, its members and parties specifically selected by the Credit Union have authorization to access the Credit Union's database. All requests for data must pass through distinct validation and control centers. Each request and answer is reviewed at each stop through the firewall. Additionally, any suspicious activity is immediately terminated.
Cookies
A "cookie" is a small file containing certain pieces of information that a web site creates when you visit the site. "Cookies" help track user traffic patterns and can store that information about you. You can set your web browser to tell you when a "cookie" is set or to prevent a "cookie" from being set. Some sites collect additional information in their "cookie" files by asking customers to voluntarily provide information such as when registering before entering a site. You can access our web site at any time without accepting a "cookie". However, the use of a "cookie" is required as a safety precaution for the use of the Internet banking session and your refusal of a cookie will deny you access to the Internet banking session. We use a cookie as an identifier, or an extra bit of security. When a member logs on, we assign a cookie, as a unique identifier to their session. At certain intervals, we send a request for that cookie to confirm that the individual online performing transactions is still the person who typed in the account number and PIN. We do not gather any data at any time about that individual from this cookie. If the cookie is not accepted at any point during the session, our system sees that as a potential security violation and therefore immediately logs that individual out. Therefore it is important that cookies always be accepted during the Internet banking sessions. "Cookies" collected by us do not read data off your hard drive and do not read "cookie" files created by another web site.
Regular non-encrypted e-mail is not secure. E-mail originated by the Credit Union, or by you through the Credit Union's web site is non-encrypted and therefor not secure. Accordingly, you should exercise caution regarding e-mails and other electronic communications.
Links to Third Party Web Sites
Our web site may contain links to third party web sites. We provide these links as a service to you. When you link to a third party web site you leave our web site. We want you to be aware that we are not responsible for the privacy practices of any other web site. We encourage you to read the privacy policies of any web site you access, especially if individual identifying information is being collected. We are not affiliated with, or an agent of, any third party web site that you link to via our web site.
How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees and credit union volunteers who have a specific business purpose in utilizing your data. Our employees and credit union volunteers are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to safeguard your nonpublic personal information.
What You Can Do to Help Protect Your Privacy
NSWC Federal 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 (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide easy 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, 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.
- 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 any questions concerning this notice, please do not hesitate to call us-we are here to serve you.
