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| Marine
Credit Union (MCU) is committed to offering you financial
products and services that will enable you to meet your
financial needs and reach your financial goals.
In order to effectively deliver the financial products and
services best suited to meet your needs, we must collect
personal information about you. Protecting
personal information and using it in a manner consistent with
your expectations is a high priority for everyone associated
with MCU.
To ensure that you can rely upon the quality of
products and services we make available, MCU complies with the
following practices and procedures. |
Information We Collect:
We
collect nonpublic personal information necessary to conduct our
business and better serve you. We collect nonpublic personal
information about you from some or all of the following sources:
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Information
we receive from you on applications, emails or other forms, for
example: name, address, social security number, assets, debts,
income and date of birth, etc.
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Information
about your transactions with our affiliates, others, or us for
example: deposits, withdrawals, and other account activity.
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Information
we receive from a consumer-reporting agency, such as credit
histories or credit worthiness. Information we collect in
conjunction with electronic services and
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To
provide you with greater access to information, the Marine
Credit Union site contains links to other third party sites.
Though we complete a due diligence review of site content and we
trust that the organizations supporting these sites join us in
respecting your privacy, Marine Credit Union is not responsible
for the ultimate content or privacy of these third party web
sites.
How We Protect Your
Information:
Marine
Credit Union has always maintained high standards for safeguarding
member privacy and we make conscientious efforts to ensure your
protection.
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We
restrict access to your personal and account information to
those employees who need to know that information to provide
products and services to you. We educate the credit union staff
about the importance of confidentiality and privacy through
special training programs and standard operating procedures.
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We
maintain physical, electronic and procedure safeguards that
comply with federal regulations to protect your personally
identifiable information. We are continually assessing new
technology, as it becomes available, in order to continue to
best protect your privacy and assure integrity.
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Sharing Your
Information
Marine
Credit Union has established business relationships with various
third-party vendors and other affiliates to help deliver our
services to you or to inform you of a broader array of products. In
the examples below, we refer to affiliated and non-affiliated third
parties. Affiliated third parties refer to an entity in which
Marine Credit Union has partial ownership. An example of this right
now is Consumer Loan Services. Non-affiliated third party refers to
all of our other relationships. Our practices are as follows:
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We
may share personal information with our credit union affiliates
as allowed by federal law, if that information is required to
provide a product or service you request.
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We
do not share information with non-affiliated third parties
concerning your your account with us, except: a)to verify the
condition and existence of your account for a third party (such
as a credit bureau); b)to complete a transaction or perform a
service you've requested; c)to comply with any court order or
applicable laws or regulations; or d)when you give us your
written permission (e.g., verification of deposits.) Before
establishing these relationships with reputable parties, we
require strict privacy protection practices. As appropriate, we
may maintain written confidentiality agreements with such
parties as a means to safeguard member information. We also
required that they use your personal information only to
complete the service requested.
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Marine
Credit Union does not and will not sell or provide your personal
information to any third party for independent use. As permitted
by law, we may enter into joint marketing agreements with
non-affiliated third parties or other financial institutions to
provide you with products and/or service to enhance your
well-being.
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The
Right to Financial Privacy Act (RTFPA) and the USA Patriot Act
establish specific procedures that federal government
authorities must follow when seeking member information. Marine
Credit Union will follow these procedures.
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As
required by law through the auspices of the United States
Treasury Department's Financial Crimes Enforcement Network (FinCEN),
Marine Credit Union does comply with Section 314(b) of the USA
Patriot Act and will share information with other financial
institutions to further the fight against organized crime and
terrorism.
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State
law may vary slightly, but, in general, by following procedures
similar to RTFPA, Marine Credit Union will prevent access to
financial information by state and local government agencies and
law enforcement officials, or private individuals seeking member
records under state law.
Disclosure
of Information about Former Members
If
you end your membership with Marine Credit Union, we will continue
to adhere to our privacy policies and practices. We will not share
any information, except as permitted or required by law.
If
you have any questions concerning this notice, please contact Aaron
Erickson, Senior Vice President, at 920-923-7280 or by email
aerickson@marinecu.com.
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Web Site Privacy Statement:
When
you visit our website we want you to feel secure that Marine Credit
Union is committed to respecting and protecting your privacy. While
Marine Credit Union does monitor Internet activity on this site,
all visitor's information will remain anonymous. We do not collect
personal identifying information about visitors to our site. Our
website gathers general information about visitors' browsing
activities. This information is used to compile standard statistics
on site use, trends and behaviors of visitors, but does not
identify any particular individual.
Children's
Privacy:
Protecting
the privacy of our children is essential. For that reason, our
website is not primarily structured to attract children under the
age of thirteen(13) or to collect personal information on any user
of this site.
Links
to Third Party Sites:
To
provide you with greater access to information, the Marine Credit
Union site contains links to other third party sites. Though we
complete a due diligence review of site content and we trust that
the organizations supporting these sites join us in respecting your
privacy, Marine Credit Union is not responsible for the ultimate
content or privacy of these third party web sites.
If
you have any questions concerning this notice, please contact us at
1-800-923-7280.
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