Information We Collect About You.  Information about you and your accounts is necessary for the efficient conduct of business and essential for meeting your financial needs. During the course of business we collect nonpublic personal information about you from the following sources:

• Information we receive on applications or other forms submitted by you such as, but not limited to, your name, address, social security number, employer, income, and account information at other financial institutions.;
  

• Information we obtain when verifying the information we receive from you;
  

• Information about your transactions with us, our affiliates, or other companies we work with to provide you with products and services,  such as account balances, payment histories, parties to transactions, and credit card usage;
  

• Information we receive from a consumer reporting agency.

Information About You We Share.  We may disclose information we collect about you under certain circumstances, and as permitted or required by law, with third parties to complete transactions and maintain accounts and related records (such as data processing transactions and records).  The disclosure of this information typically includes processing transactions on your behalf, as you authorize, to provide you with a product or service, to conduct the operations of this credit union, and to protect the security of our financial records.

In the event that you terminate your membership we will not share any of your information we have collected about you, except as permitted or authorized by law.

How We Protect Your Information.  Under no circumstances do we provide any information we collect about you to telemarketers or other third parties that do not act on your behalf as a member of this credit union.  We restrict access to nonpublic personal information about you to only those employees who have a specific business purpose for accessing and utilizing this information.

All employees are trained in the importance of maintaining confidentiality and member privacy.  We maintain physical, electronic and procedural safeguards as part of a comprehensive risk management system that complies with federal regulations to protect against anticipated threats or hazards to the security of your information and to protect against unauthorized access and use of that information. Our employees may access information about you when needed to administer your accounts, to provide requested services, or in response to a legally valid outside request or order (such as a subpoena). 

In addition, our employees may also access information to exercise our rights under the law or pursuant to any agreement with you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Sharing Information with Third Party Service Providers. In some cases we enter into agreements with third parties to provide products and services to you on our behalf, or to jointly market products and services. In order to provide you with these products and services, we may disclose your information with other organizations.  For example, as a benefit of membership we make insurance products available to you at discounted premiums.  In order to do this, we provide information such as your name and address to the insurance company that offers its products to you.  To protect your privacy, we only do business with companies that agree in writing to maintain strong confidentiality protections and before entering into relationships with such entities, we require them to agree to safeguard our members' information and to comply with all applicable privacy laws and for no other purpose.

Sharing Information as Legally Required or Permitted. Pursuant to the Fair Credit Reporting Act ("FCRA"), it is the Credit Union's practice to share Transaction/Experience Information (as defined by the FCRA) with its affiliates and non-affiliated third parties to the extent permitted by law. Because of the limited way we share information with non-affiliated and affiliated third parties, we are not required to provide you with the opportunity to opt-out from the disclosure of information to such third parties.

At our web site, you may apply for accounts and services and you may communicate with us via e-mail. To protect the information you provide us online, we use multiple levels of security. When you visit our web site, you can access site information, without revealing your personal identity. For more information regarding Online Privacy Protection visit the Security section of our website.

Safety Always. Our Home Banking service relies on industry standard Secure Sockets Layer (SSL) encryption to secure your transaction information and communication. SSL technology encrypts your personal information to help protect it from being decoded by anyone. To verify SSL encryption, look for a small lock or key near the bottom right of your browser window when accessing your account. Do an Internet search through any major search engine for more information on Secure Sockets Layer (SSL).

The Aeroquip Credit Union website does not employ the use of cookies.  Consequently, when you visit our web pages, you are doing so anonymously, and can feel secure in knowing that your internet activity is not being tracked in any way. Do an Internet search through any major search engine for more information on cookies.

Linking to Other Sites. We may provide links to other companies. All external links will open in a new browser window. Should you choose to access external web sites not controlled by the credit union, please note that we are not responsible for the privacy or security of these sites, including the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these web sites we strongly urge you first to carefully study their Privacy Policies. If you have any doubt as to their credibility, do not disclose any personal information.

Protecting Children's Privacy. We do not knowingly solicit or collect data from children and will not knowingly market to children online. We recognize that protecting children's identities and privacy online is important and that responsibility rests with us and with parents. More information: Internet Safety for children.

Privacy complaints. If you have any concerns about our privacy practices, or if you feel your privacy rights have been compromised, you have  a legal right to file a complaint with the Aeroquip Credit Union. Please be assured that if you do file a complaint, it will be handled in a professional manner, and you will not be subject to any type of penalty for having done so.

Questions? We are required by law to provide you with this notice in order to inform and explain to you how we collect, use, and safeguard your personal financial information.  The Aeroquip Credit Union wants to make it easy for you to make informed decisions with regard to privacy and security. If you decide to terminate your membership or become an inactive member, we will adhere to the privacy policies and practices as described in this notice.

If you have any questions about this disclosure and/or our privacy practices as they relate to your use of the Aeroquip Credit Union website, you may call us @ (517) 789-2890 or (800) 782-2891.