Because Your Trust Is So Important
Your trust is the cornerstone of our relationship. That is why we work so diligently to safeguard your privacy. The information that you provide is kept in the strictest of confidence. We have no intentions of selling personal information about our members to third-party businesses. We are proud to make that commitment to you, because your trust is the foundation of our business.
The following privacy policy explains how we use and protect the information about our members. We ask that you read it carefully.
Notice Of Your Financial Privacy Rights
We, our, and us, when used in this notice, mean Inland Valley FCU.
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):
- Share account
- Loan account
- Self-directed Individual Retirement Account
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 first define some items.
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”.
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 will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
Information about former members
We do not disclose information about former members, except as permitted by law.
Authorized Sharing-Outside Marketing Services
We may disclose the following information to companies that perform marketing services on our behalf:
- Information you give us on an application or other forms, such as:
- Name
- Address
- Social Security Number
We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.
Types of Businesses
Here are the types of businesses with whom we may disclose information for outside marketing purposes.
- Service providers that performs marketing services for us, such as:
- Direct sales companies
Reasons For Disclosing
We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.
Website
Inland Valley FCU may set a cookie on your computer used for the sole purpose of identifying you as a return site visitor, and is not shared with any other website. This allows us to identify general information and is used to compile standard statistics on site usage. Website browsers will remain anonymous and unidentifiable as an individual to our website or any other site.
E-Mail
Inland Valley FCU may use members’ e-mail addresses to send important information relating to their accounts, communicate with them to handle requests, and to inform them about other Credit Union products and services.
Children’s Online Privacy
The law requires parental consent to collect or use information from a child under 13. If you are a parent with children under the age of 13, please do not let your child use the Inland Valley FCU website or online banking services without verifiable parental consent pursuant to the children’s online privacy protection act.
USA Patriot Act
In accordance with section 326 of the USA Patriot Act, members authorize us to verify and record information that identifies each person who opens an account. They further authorize us to check account, credit, and employment history, and obtain a credit report from third parties, including credit-reporting agencies, to verify eligibility for any account or services requested.