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Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
|Why? ||Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.|
|What?||The types of personal information we collect and share depend on the product or service you have with us. This information can include:|
|How?||All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Lafayette Federal chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Lafayette Federal share?||Can you limit this sharing?|
|For our everyday business purposes —|
such as to process your transactions, maintain your account(s), respond to court orders and legal
investigations, or report to credit bureaus
|For our marketing purposes —|
to offer our products and services to you
|For joint marketing with other financial companies||Yes||No|
|For our affiliates’ everyday business purposes —|
information about your transactions and experiences
|For our affiliates’ everyday business purposes —|
information about your creditworthiness
|No||We do not share|
|For nonaffiliates to market to you||No||We do not share|
|Who we are|
|Who is providing this notice?||Lafayette Federal Credit Union and Preferred Business Xchange, LLC (PBX)|
|What we do|
|How does Lafayette Federal protect my personal information?||To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.|
We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.
|How does Lafayette Federal collect my personal information?||We collect your personal information, for example, when you|
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
|Why can't I limit all sharing?||Federal law gives you the right to limit only|
State laws and individual companies may give you additional rights to limit sharing.
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account.|
|Affiliates||Companies related by common ownership or control. They can be|
financial and nonfinancial companies.
We will partner only with businesses that follow strict confidentiality requirements.
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.|
We may disclose non-public personal information about our members and former members to non-affiliated third parties as permitted by law.
|Joint Marketing||A formal agreement between nonaffiliated financial companies that|
together market financial products or services to you.
We have a contractual relationship that prohibit the third party from disclosing or using the information of our agreement.
|Other important information|
|We restrict access to non-public personal information about you to: employees and volunteers who need to know that information to provide products or services to you; our attorneys, accountants, and auditors on a need-to-know basis; government authorities to comply with federal, state, or local laws, rules and other applicable legal requirements; consumer reporting agencies in accordance with the Fair Credit Reporting Act. Our credit union is committed to making financial products and services available that will enable you to meet your financial needs and reach your financial goals while at the same time protecting your personal information and using it in a manner consistent with your expectations.|
Protecting your personal information is a high priority for everyone associated with our credit union!
|Call 301-929-7990 or visit www.lfcu.org|
|Effective August 2018|
For site security purposes and to ensure that this service remains available to all users, we employ software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.
For site management, information may be collected for statistical purposes. Computer software programs may be used to create summary statistics, which are used for such purposes as assessing what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas. No personal information, such as your name or address, is collected or used for this analysis. We collect no information which would identify you personally.
When you send us personally identifying information, for example, in an electronic mail message containing a question or comment or by filling out a form or application that emails us this information, we use this information to fulfill or respond to your requests. We may store these requests to support the application process. We may forward your email to staff who are better able to respond to your request. We do not create individual profiles with the information you provide.
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