Co-op Services Credit Union

Co-op Services Credit Union Privacy Policy		Co-op Services Credit Union will fully comply with the provision of both the Gramm-Leach-Bliley Act and the NCUA Privacy Regulations. In doing so, Co-op Services Credit Union has prepared a privacy policy and will provide privacy disclosures. All Co-op Services Credit Union employees are required to adhere to our Confidentiality Agreement that includes maintaining the confidentiality of all credit union and member information. We do not collect or maintain information about our members that is not essential for prudent business purposes. Our privacy policy is outlined below. In general, we use your non-public information to provide you financial services offered by or through Co-op Services Credit Union. We never sell your personal information to third parties. If you have questions about this privacy policy, please contact: Co-op Services Credit Union 29550 Five Mile Rd. Livonia, MI 48154 Phone: (800) 321-8570 Email: memberservices@cscu.org Co-op Services Credit Union does not disclose information about our members or former members to third parties except as permitted or required by law.
Information We Collect		Co-op Services Credit Union will collect information necessary to provide our members products and services, or as required by law. Co-op Services Credit Union collects information about members and their account(s) from the following sources: from member applications or other forms, such as name, address, taxpayer identification number, assets and income. member transactions(s) with the credit union, our affiliates, or others, such as account balances, payment history, parties to transactions and credit card usage; and or information we receive from a consumer reporting agency, such as the members creditworthiness and credit history. This information about members and former members is never disclosed to third parties except as permitted or required by law.
Third Parties To Whom We May Disclose Information To		We may disclose information about you under the following general circumstances: To the extent necessary to provide services that you request; To the extent necessary to conduct our business; To our internal and external auditors, or legal advisors, our insurers, and our regulatory agencies; If we are required to do so by law, such as when we receive a court order, levy, subpoena, or other validly issued legal process; and If you give us written permission Specific examples of types of third parties to whom we disclose information include: Credit bureaus and agencies that report check account abuses; Third party vendors that assist us with providing or marketing member services, such as check printers, loan coupons, plastic card processors, and loan application processors; Third party financial institutions with which we have joint marketing agreements; Third parties who are involved in your transactions, such as the Automated Clearinghouse (ACH), ATM networks, Visa, The Federal Reserve and other financial institutions that process your checks; and Third parties whose services are necessary to meet our business needs, such as the Department of Motor vehicles, companies that insure collateral you have pledged as security for Co-op Services Credit Union loans, and debt collectors.
Safeguarding Member Information		We restrict access to non-public personal information about you to persons who have a need to know the information to provide products and services for you or to meet our reasonable business needs. Co-op Services Credit Union staff, management and volunteers are trained to keep member information strictly confidential. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information.
Information Collected From Our Web Site		At Co-op Services Credit Union, we believe that protecting the safety and privacy of our web site visitors is one of our fundamental responsibilities. The following information will help you to understand how we protect the information gathered from. Co-op Services Credit Union collects information such as: user name e-mail addresses Internet Service Provider address access time and date failed logon attempts We collect this information for internal reporting of web site statistics, and product monitoring to improve our services. Information obtained from our web site is kept secure, and access to that information is limited with the credit union personnel who need to know the information to provide products or services to our members and to properly operate the credit union. Co-op Services Credit Union does not disclose information about our members or former members to third parties except as permitted or required by law.
Cookies		Cookies are not used when entering the Credit Union's web site but are "used" in order to access Home Banking. These cookies are placed temporarily and are never stored to the user's computer memory. Instead, these temporary cookies are used as part of the stringent security measures in the Internet Home Banking product. User's can set their browser to deliver a message when a cookie has been sent, allowing them to decide whether to accept or reject it. However, to tailor a web site content to our visitor's interests and to complete Home Banking transactions, all cookies must be accepted. All of our cookies are temporary, which means they are active only as long as the user's browser is running and are deleted when the session has ended. The temporary cookies keep the session alive until the user logs out properly or times out of Internet Home Banking. Once this occurs, the end user must login with their User ID and Password to gain access again. This ensures that another user using the same computer cannot access the previous session. Cookies cannot deliver viruses.
Web Site Security Measurers		Once the server session is established, the user and the server are in a secured environment. CSCU Direct PC Banking application and Co-op Services Credit Union's application areas use secure communication, which means that they will only allow browsers that support Secure Socket Layer (SSL). SSL ensures that electronic data communicated between your browser and CSCU Direct sites cannot be read by a third party even if the data is intercepted. Co-op Services Credit Union suggests that you use a browser with 128-bit encryption, readily available from manufacturers such as Netscape or Microsoft. You know it is working when you see the lock (in a locked position) appear on your browser window. For privacy and security purposes, all information you provide us using the forms applications on our web site is encrypted (scrambled) before you send it to us.
E-mail		Co-op Services Credit Union asks that you do not send confidential information to us via e-mail. E-mail is not necessarily safe against interception. If your communication is sensitive, or includes personal information such as account numbers, credit card numbers, personal identification numbers, social security numbers, or date of birth, you should phone or use regular mail.
Links		Our web site may contain links to other web sites. Co-op Services Credit Union is not responsible for the privacy practices of those sites. We encourage all users to read the privacy statement of all linked web sites.
Children		Co-op Services Credit Union does not knowingly solicit data from children. We recognize that protecting children's identities and privacy on-line is important and the responsibility to do so rests with both the online industry and parents.