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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 personal information about you
under the 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.
If you terminate your membership
with Universal FCU, we will not share information we have collected about
you, except as permitted or required by law.
How We Protect Your Information
We restrict access to nonpublic personal information about you to those
employees who have a specific business purpose in utilizing your data.
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 practices to
safeguard your nonpublic personal information.
What You Can Do To Protect
Your Privacy
Universal 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
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, 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 questions concerning
this notice, please do not hesitate to call or write us, we are here to
serve you. We can be contacted at: (304) 697-2919 or 1-800-697-2919,
our mailing address is:
Universal
Federal Credit Union
317 31st Street
Huntington, West Virginia 25702
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