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Privacy Notice and Disclosure
MS
Telco Federal Credit Union, your member owned financial institution, is committed
to providing you with competitive products and services to meet your financial
needs and help you reach your goals. We
are equally committed to protecting the privacy of our members. Under federal law, we are required to give
you this privacy notice. It describes
our credit union's privacy policy and practices concerning the personal
information we collect and disclose about our members. It also includes information about the
parties who receive personal and sometimes nonpublic information from us as we
conduct the business of the credit union.
If
after reading this notice you have questions, please contact us at:
(800)
431-4708
or
write to:
Ms Telco Federal Credit Union
PO Box 97997
Pearl, MS 39288-7997
Information We Collect About
You
We
collect nonpublic personal information about you from the following sources:
- Information we
receive from you on applications and other forms
- Information
about your transactions with us
- Information we
receive from a consumer reporting agency
- 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
We may disclose all of the information
we collect, as described above, as permitted by law.
Parties Who Receive
Information From Us
We
may disclose nonpublic personal information about you to the following types of
third parties:
- Financial service providers, such as
insurance companies, and mortgage service companies
- Non-financial companies, such as consumer
reporting agencies, data processors, check/share draft printers, financial
statement publishers, plastic card processors, and government agencies
Disclosure of Information
to Parties That Provide Services to Us
In
order for us to conduct the business of the credit union, we may disclose all
of the information we collect, as described above, to companies that perform
marketing or other services on our behalf or to other financial institutions
with whom we have joint marketing agreements so that we may provide members
competitive products and services. We
may also disclose nonpublic personal information about you under 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, follow your instructions as you authorize,
or protect the security of our financial records.
To
protect our members' privacy, we only work with companies that agree to
maintain strong confidentiality protections and limit the use of information we
provide. We do not permit these
companies to sell the information we provide to other third parties.
Disclosure of Information
About Former Members
If
you terminate your membership with MS Telco Federal Credit Union, we will not
share information we have collected about you, except as may be permitted or
required by law.
How
We Protect Your Information
We
restrict access to nonpublic personal information about you to those employees
who need to know that information to provide products or services to you. We maintain physical, electronic, or
procedural safeguards that comply with federal regulations to guard your
nonpublic personal information.
What
Members Can Do to Help
MS
Telco Federal Credit Union is committed to protecting the privacy of its
members. Members can help by following
these simple guidelines:
- Protect your account numbers, plastic card
numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which
can provide free access to your accounts if your card is lost or stolen.
- Use caution when disclosing your account
numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is
on behalf of the credit union and asks for your account number, you should
beware. Official credit union staff
will have access to your information and will not need to ask for it.
- Keep your information with us current. If your address or phone number changes,
please let us know. It is important
that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or
use of an account, we will attempt to contact you immediately.
- Let us know if you have questions. Please do not hesitate to call us -- we are
here to serve you!
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