At SUNMARK
FEDERAL CREDIT UNION,
we recognize the importance of your privacy
and are committed to providing the highest
level of security and privacy regarding the
collection and use of our members' personal
information. SUNMARK FEDERAL CREDIT
UNION respects your right to privacy
and takes every precaution to provide you
with the same level of privacy whether using
traditional or electronic Credit Union delivery
channels. The
following describes our policies and practices
to protect your privacy. If you have any questions,
please contact us:
| Sunmark
Federal Credit Union |
518-382-0605
866-SUNMARK
|
INFORMATION
WE COLLECT ABOUT YOU
We collect information about you from:
- Information
we receive from you or affiliated car dealerships
on written, online or oral applications or
other forms, such as your name, address, social
security number, email address, assets, and
liabilities;
- Information
about your transactions with us, such as your
account balance and transaction history;
- Information
we receive from a consumer reporting agency,
such as account closure(s), your creditworthiness
or credit report;and
- Information
obtained when verifying information you provide
on an application or other form(s).
PARTIES
WHO RECEIVE INFORMATION FROM US
We may disclose information about you to these types of third
parties:
- Financial
companies, such as insurance companies, mortgage
and appraisal companies, consumer reporting
agencies and securities broker-dealers;
- Non-financial
companies, such as our data processor, loan
orgination companies, check printers, document
destruction companies, and companies that
perform marketing services on our behalf;
and
Sunmark
does not share or sell any member information
to any third party other than those with whom
we contract for assisting us in conducting
Sunmark business. Therefore, no opt out information
is necessary.
DISCLOSURE
OF INFORMATION TO PARTIES THAT PROVIDE
SERVICES TO US
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 we may provide
you with competitive products and services. We
may also disclose 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.
DISCLOSURE
OF INFORMATION ABOUT FORMER MEMBERS
If you decide to terminate your membership with Sunmark , we
will not share information we have collected about you, except
as may be permitted or required by law.
LIMITED EMPLOYEE ACCESS TO PERSONAL INFORMATION
We restrict access to information about you to those employees
who need to know that information to provide products and services
to you. We educate our employees about the importance of maintaining
confidentiality and member privacy. We maintain physical, electronic,
and procedural safeguards that comply with federal regulations
to guard your information.
THIRD-PARTY
DISCLOSURE RESTRICTIONS
Sunmark Federal Credit Union follows strict
privacy procedures in regard to protecting your personal information.
In addition, the Credit Union requires all third parties with
a business need to access this information to adhere to similar
and equally stringent privacy policies.
WHAT
YOU CAN DO TO PROTECT YOURSELF
Here are simple steps you can take to protect your information
and help prevent identity theft:
- Never
give personal information over the phone,
unless you initiate the call.
- Shred
papers that contain personal financial data,
such as ATM, credit card, debit card and other
receipts.
- Never
give your Personal Identification Number (PIN),
security code or password in writing, over
the phone or online to another third party
for any reason.
- Never
write your social security number on a check.
- Keep
your mailbox and your mail secure.
- Carry
as few credit or debit cards as possible and
check periodically to make sure you have them.
- Sign
new credit and debit cards as soon as you
receive them.
- Report
lost or stolen credit or debit cards immediately.
- Make
sure you are using a secure browser when you
are shopping or conducting financial transactions
online. Look for the "lock"
icon
on the browser's status bar to be sure your
information is secure during transmission.
.
