Privacy Statement
The NH Community 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 you have any questions after reading this notice, please contact us at:
Toll Free 1-800-439-7781; or write to:
NH Community Federal Credit Union
P.O. Box 1150, Claremont, NH 03743
INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:
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Information we receive from you on applications and other forms
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Information about your transactions with us
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Information we receive from a consumer reporting agency
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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:
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Financial service providers, such as insurance companies, mortgage service companies, and securities broker-dealers.
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Non-financial companies, such as consumer reporting agencies, data processors, check / share draft printers, financial statement publishers, retailers, plastic card processors, direct marketers, airlines, nonprofit organizations, 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 which 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 authorized 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.
HOW TO OPT OUT OR STOP CERTAIN DISCLOSURES ABOUT YOU
If you prefer that we do not disclose nonpublic personal information about you to non-affiliated third parties, you may opt out of those disclosures. You may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of the disclosures to non-affiliated third parties, you may select one of the following:
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Call the following toll free phone number, 1-800-439-7781
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Complete the Opt Out form and return it to:
NH Community Federal Credit Union, c/o The Manager
PO Box 115, Claremont, NH 03743
You may opt out these disclosures at any time. By law, this opt out will not apply to disclosures that are legally permitted or disclosures we make to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with us.
Once we receive your request, we have a reasonable amount of time to stop the disclosures. You may always contact us for assistance if you later decide to revoke your opt out election.
NOTICE TO JOINT ACCOUNT HOLDERS
If you and someone else (or others) who is/are not member(s) of our credit union has/have obtained a financial product from us, the nonmember(s) is/are eligible to exercise the right to opt out. If any one of you exercises the right to opt out, we will treat it as if all of you directed us to not make disclosures to nonaffiliated third parties (except those that are permitted by law).
DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS
If you terminate your membership with the credit union, we will not share information we have collected about you, except as may be permitted or required by law.
FAIR CREDIT REPORTING ACT DISCLOSURE
By law, the credit union is permitted to share any information about their transactions or experiences with you. Information taken from credit reports may also be exchanged, but will not be shared if we are notified in writing. If you elect to opt out of this information exchange please:
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Call the following toll free phone number, 1-800-439-7781
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Complete the Opt Out form and return it to:
The NH Community Federal Credit Union, c/o The Manager,
PO Box 1150, Claremont, NH 03743
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
NH Community Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
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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.
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Use caution when disclosing your account numbers, social security numbers, etc., to other persons. If someone calls you explaining the call is on the 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.
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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.
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Store your receipts in a safe place or destroy them yourself. Please don't throw them in the public trash. It undermines all the effort we put into protecting your account number if you leave a receipt
in the public trash to be picked out by someone else.
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Let us know if we can help. We are here to serve you.
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