Reviewed: February 2023
FACTS
Why?
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 and income
Account balance and payment history
Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
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 Energy Plus Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Energy PlusCan you limit this sharing? Credit Union share? | ||
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 | No | We don't share |
For our affiliates to market to you | No | We don't share |
For non-affiliates to market to you | No | We don't share |
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Who we are | |
Who is providing this notice? | Energy Plus Credit Union |
What we do | |
How does Energy Plus Credit Union 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. |
How does Energy Plus Credit Union 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. |
Definitions | |
Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
Non-affiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
Energy Plus Credit Union is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We give you this privacy policy to explain how we collect, use, and safeguard your personal financial information.
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we collect data that personally identifies you. You need not be concerned about the privacy of your personal information. CU NAME secures your personal information from unauthorized access, use, or disclosure. Energy Plus Credit Union secures the information you provide in a controlled and secured environment from unauthorized use using one-way password encryption technology and the use of Secure Socket Layer (SSL) data transfer encryption.
If you choose to e-mail us, please remember that your e-mail address and any other information contained in your e-mail header will be revealed to us in your communication. We will use that e-mail information only to respond to your comments or questions.
The server records home-banking logins. We collect and store certain information on authenticated members who use home banking. Visitors to Energy Plus Credit Union’s website remain anonymous until they choose to provide personal information to access account information that Energy Plus Credit Union makes available online. All data that is recorded enables us to process and confirm those transactions. We may use technology, such as cookies, to keep track of your information. While it contains no member passwords or personal information, it identifies the member's computer and helps the Credit Union administer website security. As an example, we use cookies to 'time out' your authority to view information while you are authenticated in the home banking section. A cookie cannot be used to extract data from your PC.
If you submit a form, the information will be used as required in the normal course of business to fulfill your request. All the information you send to us is encrypted for security and privacy purposes. The information will not be sold or shared with any third party outside the Credit Union.
We may disclose the information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, and follow your instructions as you authorize, or protect the security of our financial records.
Members can proactively assist Energy Plus Credit Union in the protection of their privacy by safeguarding their member numbers, personal identification numbers (PINS), and passwords, by changing their passwords periodically, and by taking care to log out of the CU NAME website after accessing personal information online.
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.
To request user ID, device ID, and email address to be removed from the Energy Plus Credit Union Mobile app and Home Banking visit https://www.energypluscu.org/contact.html to request account data to be removed. Please note that you will lose access to Home and Mobile banking once this data is removed.