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BCFCU
Privacy Notice Disclosure
We, our, and us, when used in this
notice, mean Borinquen Community Federal Credit Union. This is our privacy notice
for our members. 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 service such as a(n):
Share account
Loan account
Credit card account
Retail installment contract we hold
and service
Insurance policies issued by or
through us
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 security information.
We first define some terms.
Nonpublic personal information
means information about
you that we collect in connection with providing 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 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
Phone 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 perform 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.
If you have any questions or concerns about this policy, please
contact us. Our contact information is listed in the contact us
section of our web site.
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