Postal Family Federal Credit Union is owned by you, its members, and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of your credit union. We are required by law to give you this privacy notice to explain how we collect, use, and safeguard your personal financial institution.

When we use the words “you” and “your” we mean any members that have a continuing deposit or loan relationship with us.

Information We Collect On You:

The Credit Union may collect “non-public personal information”, which means information about you that we collect in connection with providing a financial product or service to you. Non-public personal information does not include information that is available on records.

The Credit Union collects non-public personal information about you from the following sources:

• Information we receive from you on membership and loan applications and other forms
• Information about your transactions with us or others
• Information we receive from a consumer reporting agency
• Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions

The Credit Union will collect only the personal information that is necessary to conduct our business, which means just what is necessary to provide competitive financial products and services-no more.

Parties Who Receive Information From Us:

The Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. In order to serve you, from time to time, it is necessary to disclose non-public personal information to financial service providers (e.g. insurance or mortgage companies) or non-financial provider (e.g. consumer reporting agencies, plastic card processors, check/share printers, data processors, mailhouses, statement publishers/printers, and government agencies).

Third Party Providers:

In order for us to conduct the business of the credit union and on your behalf, we may disclose all of the information we collect to other financial institutions with whom we have marketing agreements, companies that provide statement printing/publishing, or to nonaffiliated third partiesfor the purpose of processing and servicing transactions that you request or authorize, so that we may provide competitive products and services. We may also disclose information about you under circumstances as permitted or required by law.

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.

Information on Former Members:

If you terminate your membership, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information:

The Credit Union maintains physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you.

Protecting your personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union. As a member, you will always have access to your information. You will have the opportunity to review your information and make necessary changes to ensure that your records are complete and accurate.

What You Can Do To Help:

You also have the responsibility to safeguard your financial information. Members can do this by following these guidelines:

• Protect your account numbers, plastic card numbers, PINs or passwords. Never keep your PIN with our card, as it allow complete access to your accounts.
• Use caution when disclosing your account numbers and social security numbers. Be aware of those calling from financial institutions to verify information. They have should have the information and not need to call.
• Keep your address with us current. If your address or phone number changes, please let us know. It is important we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity, we will attempt to contact you immediately.

After You Read This:

If after reading this notice you have questions, please contact us at:

701-232-6910 or 800-726-3177

or write to:

Postal Family Federal Credit Union
2730 12th Ave So
Fargo, ND 58103