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Privacy Statement
Bellwether Community Credit Union Online Privacy Practices
Bellwether Community Credit Union (BCCU) is committed to safeguarding information about our members and visitors to our website. Our Privacy Policy explains our collection, use, retention and security of member information and applies to users of our products and services. Online activities may be subject to both our Privacy Policy and our Online Privacy Practices.
See our Children's Online Privacy Policy as it relates to our "Save It Today!" Kid's Club, and which is issued in conjunction with this Privacy Statement, by clicking below, or scrolling to the end of this document.
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
Rev. 06/2010 FACTS
WHAT DOES BCCU DO WITH 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:
| - Social Security number
- Account balances
- Transaction history
| - Account transactions
- Retirement assets
- Checking account information
|
| 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 BCCU chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information
| Does BCCU 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
| Yes
| No
| For our marketing purposes -
to offer our products and services to you
| Yes
| No
| For joint marketing with other financial companies
| Yes
| No
| For our affiliates' everyday business purposes - information about your transactions and experiences
| Yes
| No
| For our affiliates' everyday business purposes - information about your creditworthiness
| Yes
| Yes
| For our affiliates to market to you
| Yes
| Yes | For nonaffiliates to market to you
| Yes
| Yes
| To limit our
sharing
| Mail the enclosed form
Please note:
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a member, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
| Questions?
| Call toll-free 1-866-996-9828 or go to www.bccu.org
| | | Who We Are
| | Who is providing this notice?
| BCCU means Bellwether Community Credit Union
| What We Do
|
| How does BCCU 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 also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
| How does BCCU collect my personal information?
| We collect your personal information, for example, when you
| - Open an account
- Apply for a loan
- Seek advice about your
investments
| - Make deposits or withdrawals from
your account - Provide account information
| 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
- sharing for affiliates' everyday business purposes - information about your
creditworthiness - affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
| What happens when I limit sharing for an account I hold jointly with someone else?
| Your choices will apply to everyone on your account.
| Definitions
|
| Affiliates
| Companies related by common ownership or control. They can be financial and non-financial companies.
- Our affiliates include:
- Financial companies such as: CUSO Development Company, LLC, Member Advantage Mortgage, LLC, Member Advantage Title Agency, LLC.
| Nonaffiliates
| Companies not related by common ownership or control. They can be financial and non-financial companies.
- Nonaffiliates we share with can include insurance service providers,
financial service providers, and investment service providers.
| Joint Marketing
| A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include ancillary services such as identity theft protection.
| | Other Important Information | For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.
| Mail-in Form
| | | | Mark any/all you want to limit:
[ ] Do not share information about my creditworthiness with your affiliates
for their everyday business purposes.
[ ] Do not allow your affiliates to use my personal information to market to
me.
[ ] Do not share my personal information with nonaffiliates to market their
products and services to me.
Name
| | Address
| | City, State, ZIP
| | Account #
| | | Mail To: Bellwether Community Credit
Union
425 Hooksett Rd
Manchester, NH 03104
Privacy Model Disclosure
VMP®;;;; Bankers Systems
Wolters Kluwer Financial Services © 2010
| | PRIV-MODEL 3/1/2010 | | 2010.1/0831 2346003-010 |
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
425 Hooksett Road
Manchester, NH 03104
marketing@bccu.org
1-800-669-3381
Additional BCCU personnel:
Madeline Anderson
Marketing Manager
162 Burke Street
Nashua, NH 03063
marketing@bccu.org
1-800-669-3381
Thereasa Mavros
Electronic Marketing Specialist
162 Burke Street
Nashua, NH 03063
marketing@bccu.org
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/.
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