Membership and Account Agreement - part V

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This agreement also includes the information separately stated on the Privacy Policy page.

1. Membership and Accounts
2. Funds Availability Policy
3. Electronic Funds Transfers
4. Touch Tone Teller Agreement and Fair Billing Notice
5. Privacy Policy (continues below)

V. Privacy Policy
1. Our Privacy Pledge.
At Northwest Community Credit Union we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Northwest Community Credit Union and our affiliate, Northwest Financial Resources, Inc. This notice explains what types of member information we collect and under what circumstances we may share it.

2. Member Information We Collect.
The Credit Union collects only relevant information about members that is needed to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal and financial information about you (member information) which is “nonpublic.” The member information we collect varies depending on the accounts and services you request and use. We collect information about you from the following sources:
a. Application Information. We retain personal information we receive from you on any application you provide to us or our affiliate for membership, deposit account, EFT services, loans, financial planning, securities brokerage, insurance, or other Credit Union services. This information includes: name, address, eMail address, social security number, birth date, phone number, employment and financial status, and credit history.
b. Your Transactions. Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, transactions through Home Banking, over the phone or at a branch we retain the transaction information, including: your account number, the date, amount, location of the transaction, and other pertinent information. Our affiliate may also provide us with reports on your securities and insurance transactions.
c. Credit Reports. When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. We retain the personal and credit history information about you and we may use it to evaluate future account service requests.
d. Online. We obtain information online when you visit our website, www.nwcu.com. This includes retaining information you provide us on any online application, Home Banking transaction or information you send to us by eMail.

3. Member Information We Share.
In order to provide financial services to you, we share certain information about you with our affiliate and third party service providers. However, we only share information to the extent necessary to service your account or offer new services to you. If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience. Information we may have about former members is generally only shared or disclosed if necessary to enforce or administer an account or as required by law.
a. Sharing Information with Credit Union Affiliates. Our wholly-owned affiliate, Northwest Financial Resources, provides financial services, including financial planning, securities brokerage, and insurance products and services. We may share personal information (such as name, address, and account number) and account information (such as type of accounts, account balances, and transaction history) with our affiliate so they can serve you more efficiently. Our affiliate maintains the same privacy standards as the Credit Union.
b. Sharing Information with Third Party Service Providers. In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share information with our service providers, including: data processing companies, check, ATM and other payment processing companies, payment networks, loan service providers, insurance companies, collection agencies, credit reporting agencies, financial planners, securities brokerage, and insurance companies, and financial service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed in writing to keep the member information we provide to them confidential. We share the following categories of information with third party service providers depending on the specific services provided:

• Personal information (name, address, and account number)
• Account information (type of accounts, account balances, and transaction history)
• Transaction information (dates, amounts, locations, and type of transaction)

We do not sell member information nor share your account numbers with independent third party marketers offering their products and services. While we may assist in offering financial products and services of our affiliate or other financial service providers, we control the member information used to make such offers.
c. Sharing Information as Legally Required or Permitted. We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.

4. Our Confidentiality and Security Safeguards.
We maintain strict policies and security controls to assure that member information in our computer systems and files is protected. Our employees are permitted access to member information that they may need to perform their jobs and to provide service to you. Our employees have access to such member information as necessary to conduct a transaction or respond to your inquiries. All employees are trained to respect member privacy. No one except our employees has regular access to the Credit Union computer system and records storage. The Credit Union has established internal security controls, including physical, electronic, and procedural safeguards to protect the information you provide us and the information we collect about you. We will continue to review our internal security controls to safeguard your member information as we employ new technology in the future.

5. Online Privacy Protections.
At our website, www.nwcu.com, you may apply for accounts and services and you may communicate with us via eMail. To protect the information you provide us online, we use multiple levels of security. The application information we accept online and our Home Banking service relies on industry standard “Secure Socket Layering” (SSL) encryption to secure your transaction information and communication. Generally, our eMails are not secure. However, if we ask you to eMail us information other than your name, address, eMail address and phone number, it will be obtained using a secure (SSL encryption) eMail form. When you visit our website, you can access site information, without revealing your personal identity. However, in order to help us identify you for future site visits, we may use cookies to track your visit. A cookie is a piece of information that our web server stores on your computer hard drive and retrieves later. The cookie will not request, require or collect personal identity information and you remain anonymous. Your member information is not accessed by or stored within a cookie in any way.

6. Protecting Children’s Information Privacy.
Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.

7. Privacy Policy Inquiries.
If you have any questions about our privacy practices, you may contact us by calling (541) 747-4231, sending an eMail to webmaster@nwcu.com, or writing us at Northwest Community Credit Union, PO Box 70225, Eugene, OR 97401-0145.

Go to Part I  Revised 12/07