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Privacy is a top
priority of your credit union. This notice will describe the way we protect the
privacy of your personal information. In the course of providing services, we
collect information about you that is personal and not publicly available.
Methuen Municipal Employees Federal Credit Union
does not sell membership lists or your non-public information. We do, however,
share some information about you with other companies in order to complete your
transactions and to provide you with certain financial services.
We collect information from membership and loan applications as well as other
forms you submit to us. From these forms, we get name, address, phone numbers, birth date, social security number, assets, income, expenses and limited
information about family members; such as age and number of children. From
consumer reporting agencies, we obtain information about your credit history,
creditworthiness and former addresses.
We may also obtain
information from various employer payroll offices in order to process
applications that you have submitted.
We do not disclose
any nonpublic personal information about our members and former members, except
disclosures to other nonaffiliated third parties as permitted by law, such as to
our data processor and for purposes such as collecting loans. We do not disclose
share information with other businesses about former members, co-borrowers and
guarantors who are not members except as permitted by law.
We disclose
information when authorized in writing, by you. In addition to sharing
information with our service organizations, we may disclose information as
permitted or required by law, such as law enforcement agencies, etc.
How Your Credit Union Protects Your Information
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 that comply with federal regulations to guard your
personal financial information. There may be an instance where you erroneously
believe the credit union has released information about you. For example,
information about a secured loan that you have with us may be publicly available
in local government records and a business has compiled this information in
order to market a product that this credit union does not endorse. As a member
of Methuen Municipal Employees Federal Credit Union,
we remind you that you have a responsibility to safeguard your financial
information by protecting your identification access numbers and reviewing your
periodic statements.
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