Credit Union West - So much more than money

Credit Union West is owned by its members and run by a board of directors you elect. We are committed to protecting the privacy of our members. The purpose of this notice is to inform you of our Privacy Policy. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information.

In the course of providing services to you, we collect information about you. Some of this information is nonpublic personal information. We do not sell your nonpublic personal information but we share some of the nonpublic personal information with our service providers and others in order to better serve you. We share your nonpublic personal information only with contractual safeguards to protect the confidentiality of your information.

If you have any questions after reading this Privacy Policy, please contact us at (800) 621-0287 or (602) 631-3200.

Information We Collect About You and Disclose to Others

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications and other forms (for example: name, address, social security numbers, assets, and income).
Information about your transactions with us, our affiliate(s), or others including those companies that work closely with us to provide you with diverse financial products and services (for example: your account balance, payment history, parties to transactions, and credit card usage).
Information we receive from a credit reporting agency (for example: your credit worthiness and credit history).
Information obtained when verifying the information you provide on an application or other forms (this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions).
Information we may obtain from consumer purchasing and census data providers to develop competitive marketing programs for our members.

We do not disclose nonpublic personal information about our members and former members to anyone, except as permitted by law.

In order that we may provide members with competitive products and services, we may disclose all of the information we collect, as described above, to our affiliate(s), companies that perform marketing or other services on our behalf, and to other financial service providers with whom we have joint marketing agreements. We may also disclose information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct our operations, follow your instructions as you authorize or protect the security of our financial records.

Fair Credit Reporting Act Disclosure

In this notice, we are required to also advise you of our disclosure policy under the Fair Credit Reporting Act. The Fair Credit Reporting Act governs the sharing of information that may impact you in certain areas such as credit, collections, and insurance. We learn information about you and from information provided by others, such as credit reports. As permitted by the Fair Credit Reporting Act, we share information from our experience with you with others, including our affiliate(s) and credit reporting agencies. The Fair Credit Reporting Act permits us to share information we learn from others unless you direct us otherwise. If we elect to share information about you that we learn from others for a purpose under the Fair Credit Reporting Act, we will give you a separate notice of our intention to do so and the right to direct us not to share the information.

How We Protect Your Information

We grant access to information about you to only those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to safeguard your nonpublic personal information. The officers, directors, members of committees, and employees of this credit union are required to hold in confidence all transactions of this credit union with its members and all information respecting their personal affairs, except when permitted or required by state or federal law.

Protecting Children

Credit Union West does not knowingly solicit or collect data from children and does not knowingly market to children online. We recognize the importance of protecting the identity of children. Online privacy is important and we acknowledge that responsibility lies with us and with the children’s parents/guardians.

Credit Union West’s Web Site and Links

The contents of this site are for informational purposes only. Any information on the site belongs to the Credit Union West and may not be used without permission.

Although our Web site is encrypted to protect your electronic relationship with us on the Internet, we want you to know that our site contains links to other Web sites. Although we thoroughly research the companies sponsoring these other linked Web sites prior to developing a business relationship with them, you need to be aware that we are not responsible for their privacy practices.

We encourage your diligence when leaving Credit Union West’s Web site by reading available privacy statements of any other sites that collect personally identifiable information. The online Privacy Policy you’re reading applies only to information collected by Credit Union West.

FREQUENTLY ASKED QUESTIONS

What is the purpose of the Privacy Policy?
The Privacy Policy outlines the practices and procedures Credit Union West observes to ensure the continued privacy and confidentiality of our members’ personal financial information. Effective July 1, 2001, federal regulation requires that all "financial" institutions provide notices to their members/customers concerning the privacy of non-public consumer information.

Does Credit Union West or any of its business partners sell member information to other companies for the purpose of solicitation?
No. Our policy has always been to protect the privacy of member information. For this reason, member information is only shared with business partners in order to process or service transactions, protect against fraud or comply with applicable laws.

Who does Credit Union West share information with?
Credit Union West shares member information with companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Why does Credit Union West disclose member information to companies that perform marketing services on our behalf?
Because Credit Union West depends on outside vendors to provide print services to facilitate member communications, we must provide them with member addresses. However, these vendors or other marketing service providers we use are bound by contract to use member information only for the purpose of Credit Union West business. You should not receive solicitations from any of these vendors.

Why does Credit Union West disclose the information it collects to other financial institutions? Is this legal?
Credit Union West shares information with business partners when necessary to provide services to Credit Union West that we are unable to provide ourselves. Financial Services West, Securian Financial and Stewarts Insurance, a sub-division of CUNA Mutual Group are some examples. These business partners are bound by contract to use member information only for the purpose of Credit Union West business, thereby ensuring compliance with federal regulation concerning privacy of non-public consumer information.

Can a member elect not to have their information disclosed for purposes described in the Privacy Policy?
No, because Credit Union West only shares member information when it is essential to providing services, such as when processing a transaction, protecting against fraud or complying with applicable laws.

Click here for a PDF version of the Credit Union West Privacy Policy.

NCUA - Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the Unied States Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender - We do business in accordance with the Equal Credit Opportunity Act. Copyright 2006 Credit Union West. All rights reserved. P.O. Box 7600, Glendale, AZ 85312-7600. Phone: 602-631-3200. Toll-Free: 800-621-0287.