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 These Online Privacy Practices explain our use of the information we collect about you when you visit our website. They do not constitute a contract or create legal rights or modify or amend any agreements BCCU has with its members or visitors. Personal Information No personal information, such as your name or address, is collected by BCCU on our website without your knowledge and permission. Our servers collect standard non-identifying information about visits to this site, such as date and time visited, IP address, and pages viewed. This information is used to compile standard statistics on site usage. With your permission, we may collect basic information from you (such as your e-mail address) during your Website visit in order to contact you regarding offers of products and services that may be of interest to you. BCCU does not give, sell or transfer personal information to third parties, unless required by law. When you send us personally identifying information (for example, in an electronic mail message containing a question or comment or by filling out an online loan application), we use this information to fulfill or respond to your requests. This information is never sold, given, or disclosed to third parties. Third Party Sites This Website may contain links to third-party sites that you may find useful. BCCU is not responsible for the content or privacy practices of these other websites. This privacy statement is for general guidance and does not constitute a contract or create legal rights and does not modify or amend any agreements we have with our members. How We Collect Information We may collect information online through "cookies". A cookie is a small file written to your hard drive by our server. We may use cookies to enhance your online experience, to facilitate your use of our Website and to collect site-visitation statistics. If you register for certain personalized services, or choose to save personal information on our Website, BCCU may store this information in an encrypted cookie. Our use of encrypted cookies makes your repeated online interactions with us easier by allowing you to avoid re-entering your personal information each time you visit the Website. If you are uncomfortable with our use of cookie technology, you can set your browser to refuse cookies. Certain services are dependent on cookies, and you may disable those services by refusing cookies. Information Storage BCCU may store the information collected during your visit in an electronic database. BCCU uses measures to protect against the loss, misuse and alteration of data stored in our systems. Bellwether Community Credit Union Online Privacy Statement YOUR PRIVACY IS IMPORTANT TO US You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively. We work diligently to safeguard the information you give to us. In fact, we developed the following policies to ensure your confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason we ask that you please read the following information carefully. NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS We, our, and us, when used in this notice, mean Bellwether Community Credit Union. This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members: Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a:
We first define some terms. Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section. An affiliate is a company we own or control. A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party." Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice. THE INFORMATION WE COLLECT We collect information about you from the following sources:
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information. YOUR INFORMATION AND OUR AFFILIATES We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information: Transaction and experience information from our account records: Information about your transactions and experience with us, such as:
Other information not taken from transactions and experience: Information you give us on an application or other forms such as:
Types of Affiliates We may disclose information about you to the following types of affiliates: Mortgage Loan subsidiaries such as:
In addition to our policy with respect to affiliates, we may disclose information to other parties. Here are the kinds of information we disclose to these other parties: Information you give us on an application or other forms, such as:
State Limitations AL, AK, CA, ID and VT - We will not share this information about members who reside in Alabama, Alaska, California, Idaho or Vermont. MA, MS and NJ - We will not share any information derived from share relationships with us about members who reside in Massachusetts, Mississippi or New Jersey. If you have a loan account or other member relationship in addition to a share accountCredit union terminology for a savings account. As a credit union member, you are a 'shareholder,' or part owner of the credit union. A share account typically establishes your membership in the credit union. relationship, and you do not want us to share this information about you, you should opt out using a method described below. Types of Other Parties We may disclose information about you to the following types of other parties: Financial service providers, such as:
Reasons For Disclosing We may disclose information about you to other parties to provide you with information about additional products and services. INFORMATION ABOUT FORMER MEMBERS We do not disclose information about former members, except as permitted by law. YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION Affiliates. We are permitted to disclose information about our transactions or experiences with you to affiliates. You do not have the right to opt out of the disclosure of this particular type of information. We may also disclose other information to our affiliates (that is, information beyond our transactions and experiences with you), unless you tell us to not disclose this other information. Other Parties. If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your right to "opt out." Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. Remember, though, that your opt out will not apply to information we share that is related to your actual transaction and experience with one of us, which we make available to our affiliates. If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service. If you wish to opt out of the disclosure of your information, you may do so by using any of the following methods:
In this notice, we have explained our policy about the disclosure of certain information. Affiliates. We have explained the kinds of information we may disclose to our affiliates. We have also explained the kinds of affiliates with whom we may disclose the information. If you prefer that we do not disclose information to our affiliates you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law). Other Parties. We have explained the kinds of information we may disclose to other parties. We have also explained the kinds of other parties with whom we may disclose the information. If you prefer that we do not disclose information to these other parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law). Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. Remember though, that your opt out will not apply to information we share that is related to your actual transaction and experience with one of us, which me make availabe to our affiliates. If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service. If you wish to opt out of the disclosure of your information, you may do so by using any of the following methods:
BELLWETHER COMMUNITY CREDIT UNION OPT-OUT NOTICE __ Do not share my information, other than information relating to your transactions and experiences with me, with your affiliates __ Do not share my information with nonaffiliated third parties. Signature ____________________________________________________________________ Name(s) ____________________________________________________________________ Social Security Number(s) ____________________________________________________________________ Street Address __________________________________________________ Apt # _________________________________________________________ City, State, ZIP __________________________________________________ Please complete and send this notice to: Bellwether Community Credit Union 425 Hooksett Road Manchester, NH 03104 Attn: Opt-Out 559835-020 ©2000 Wolters Kluwer Financial Services - Bankers Systems Form PRIVDISOPTCU 9/4/2001 2.1/2237 Online Children's Privacy Statement Bellwether Community Credit Union Children's Online Privacy Statement (Supplement to standard Right to Privacy brochure) Bellwether Community Credit Union is committed to safeguarding information about our members and visitors to our Web site. This includes information that we may receive from children. This Online Children's Privacy Statement explains our collection, use and security of personal information received from a child, as it required and relating to The Children's Online Privacy Protection Act (COPPA). This Act was passed to give parents/guardians increased control over what information is collected from children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Bellwether Community Credit Union does not knowingly collect personal information from children. Personal Information We do not collect personally identifying information from our Web site through the use of cookies or any other tracking features. We use session variables to monitor site usage. This provides us with information to determine how best to maintain our site. The only information Bellwether receives online from children is email they have sent to us. Email generated from children is deleted once we have responded to any requests. Information we receive from a child could include their name, address, age and phone number. We may use the personal information to sign your child up for a kids club event, kids club newsletter, or for birthday card mailings. We do not require a child to disclose more information than is reasonably necessary to participate in contests, games or other activities, or as a condition of participation. We do not provide any personal information from children to third parties or our affiliates. Personal information about children using our site is available only to those who work on the site or who provide technical or other fulfillment support services to the site. Listed here, please find Bellwether Community Credit Union’s personnel that may collect and maintain personal information obtained through our Web site from a child: Nathan Saller Vice President - Marketing 490 Valley Street Manchester, NH 03103 marketing@bccu.org 1-800-669-3381 Additional BCCU personnel: Madeline Anderson Diane Montplaisir Marketing Manager Marketing Specialist 490 Valley Street 490 Valley Street Manchester, NH 03103 Manchester, NH 03103 marketing@bccu.org marketing@bccu.org 1-800-669-3381 1-800-669-3381 Third Party sites: It is our practice to link only to the sites of well-known, reputable companies. Nevertheless, we are not responsible for the content or information collection practices of any other site. This privacy statement is for general guidance and does not constitute a contract or create legal rights, and does not modify or amend any agreements we have with our members. Parental Consent: We will not collect, use or disclose personally identifiable information from a child without obtaining prior parental consent. At this time, we do not collect personally identifiable information. Should that policy change, we will notify parents, post the fact that information is being collected, obtain consent from parents in compliance with COPPA, and inform parents about procedures available to review and/or prevent the information from being collected. If you have any questions or concerns about Bellwether Community Credit Union's Children's Online Privacy Protection Policy, you may write, fax, email or call our Marketing Manager at the Valley Street Office. Madeline Anderson Marketing Manager 490 Valley Street Manchester, NH 03103 madeline.anderson@bccu.org 1-800-669-3381 phone 1-603-623-1120 fax For additional information on COPPA protections, you can also visit the Federal Trade Commission's website at www.ftc.gov/privacy/privacyinitiatives/childrens. The Federal Government has also created a Web site aimed at educating both parents and children about the dangers of the Internet and how to browse safely. This can be found at www.ftc.gov/kidzprivacy/. |
