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BayLands Federal Credit Union, your member- owned financial institution, is committed to providing you financial products and services to meet your needs and reach your financial goals. We are equally committed to protecting our member’s privacy. You can be confident that your financial privacy is a priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a members service representative at (804) 843-2520. Information We Collect and Disclose About You We collect non-public personal information about you from the following sources: • Information we receive from you on applications and other forms; • Information about your transactions with us or others; • Information we receive from a consumer reporting agency; • Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions. We may disclose all the information we collect, as described previously, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Our commitment to provide you with competitive products and services may require that we share information about you with our affiliated third party, BayLands Financial Services, which provides investment and insurance services. 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 nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operation of our credit union, follow your instructions as you authorize, or protect the security of our financial records. 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 regulation and leading industry practices to safeguard your nonpublic personal information. What You Can Do to Help Protect Your Privacy BayLands 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’s (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 and social security numbers to other persons. If someone calls you, and claims to be from the credit union and asks for your information, you should beware. Official credit union staff will have access to your information and will not need to call you 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 us - we are here to serve you. |
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