At West Coast Federal Employees
Credit Union, trust has always been the foundation of our
relationship with our members. Because you trust us with your
financial and other personal information, and we believe that all
personal and financial information specific to you that you provide
through any channel constitutes personal information, we are
committed to respect your privacy and safeguard that information. In
order to preserve that trust, Credit Union and its affiliates pledge
to protect your privacy by following the practices outlined below.
It is important for you to know that West Coast Federal Employees
Credit Union does not sell member information.
This policy covers member
information, which means personally identifiable information about a
member or a member's current or former relationship with West Coast
Federal Employees Credit Union. This policy is provided to you as
required by the Federal Financial Privacy Law (Gramm-Leach-Bliley
For SITE SECURITY purposes and
to ensure that this service remains available to all users,
unauthorized attempts to upload information or change information on
this service are strictly prohibited and may be punishable under the
Computer Fraud and Abuse Act of 1986 and the National Information
Infrastructure Protection Act.
*NCUA Rules and Regulations, 12 CFR
Parts 716 and 741.
SECURITY OF INFORMATION IS A
Keeping financial information secure is one of our most important
responsibilities. We value your trust and handle information about
you with care. We limit access to member information to those
employees who need to know that information in order to provide
products and services to you or to maintain your account. Article
XVI, Section 2 of the West Coast Federal Employees Credit Union
by-laws requires its officers, directors, members of committees and
employees to "hold in confidence all transactions of this credit
union with its members and all information respecting their personal
In addition, we maintain physical,
electronic and procedural safeguards to protect member information.
We also continually assess new technology for protecting information
and upgrade our systems when appropriate.
ACCURACY OF INFORMATION
We strive to keep your account records and personal information
accurate, and will respond promptly when we are notified of the need
for corrections. If you see any inaccuracy in your statements or in
any other communications from us, please call us at 1-941-925-2890
or contact www.wcfecu.org, and we will promptly update or correct
any erroneous information.
West Coast Federal Employees Credit Union collects only relevant
information about our members as allowed or required by law in order
for us to conduct the Credit Union's business and service your
accounts. We maintain strict security procedures to protect your
information. Member information that we collect is categorized into
the following types:
- Information about your identity
that we receive from you on your account applications and other
forms. We may keep this information so that we can provide the
products and services you request.
- Information about your
transactions and account experience with us.
- Information from a consumer credit
- Information from other outside
sources regarding employment, credit or other relationships with
you or verifying representations made by you such as employment
SHARING OF INFORMATION WITH
COMPANIES THAT WORK WITH US
In order to conduct the business of the Credit Union, we may share
your member information with companies that work with us to provide
you products and services that you've requested or already have with
us. We share the information needed to provide those products and
services and to provide quality member service. Some of these
companies may include financial service providers such as insurance
companies and payment processing companies and nonfinancial
companies such as check printing, statement processing and data
West Coast Federal Employees Credit
Union may also work closely to offer products and services to meet
member needs. As a result, we may also share your nonpublic personal
information with each other as permitted by law.
To protect our members' privacy, we
only work with companies that agree to maintain strong
confidentiality protections and abide by the Credit Union's Privacy
Policy and use the information only to provide those services
prescribed by West Coast Federal Employees Credit Union.
DISCLOSING INFORMATION IN OTHER
We may also disclose your personal financial information to credit
bureaus and similar organizations as permitted by law and to comply
with any court order or applicable laws or regulations and when you
give us your written permission. This may include a disclosure in
connection with a subpoena or similar legal process, a fraud
investigation, recording of deeds and mortgages in public records or
an audit or examination.
INFORMATION SHARING RESTRICTIONS
Other than the disclosures referenced above, West Coast Federal
Employees Credit Union will not release, share or sell your
nonpublic personal information to any unaffiliated third parties.
HOW YOU CAN HELP PROTECT YOUR
Your 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 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 or other personal
information to other persons. If someone calls 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
KEEPING UP-TO-DATE WITH OUR
West Coast Federal Employees Credit Union will provide our privacy
notice to all members annually. This policy may change from time to
time, but you will always be able to view our current policy at our
web site at www.wcfecu.org or contact us for a copy at
REDUCING DIRECT MARKETING FROM
If you would like to reduce the amount of advertising you receive
from companies other than West Coast Federal Employees Credit Union,
you can write to the following agency:
For advertising received via
Telephone Preference Service
c/o Direct Marketing Association
P.O. Box 9014
Farmingdale, NY 11735-9014
Be sure to include complete
information about each name, address and telephone number you would
like excluded from these lists. If you have moved within the past
year, remember to include your old address and phone number. The
same is true for name changes and the addresses and phone numbers
associated with each name.
If you would like to have your name
taken off all pre-approved credit solicitations, you can write to
the following credit reporting bureaus or call 1-888-5OPTOUT
(888-567-8688). Be sure to include your full name, current address,
social security number and telephone number.
901 West Bond
Lincoln, NE 68521
P.O. Box 740123
Atlanta, GA 30374-0123
Name Removal Option
P.O. Box 97328
Jackson, MS 39288-7328
Notice of Privacy Practices For Credit Union Members
WHAT DOES West Coast
Federal Employees Credit Union (WCFECU)
DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they
share your personal information. Federal law gives
right to limit some but not all sharing. Federal law
also requires us to tell you how we collect, share, and
protect your personal information. Please read this
notice carefully to understand what we do.
The types of
personal information we collect and share depend on the
product or service you have with us.
This information can include:
Social Security number
account balances and
credit history and
financial companies need to share members' personal
information to run their everyday business. In the
section below, we list the reasons financial companies
can share their members' personal information; the
reasons WCFECU chooses to share; and whether you can
limit this sharing.
Reasons we can share your
Does WCFECU share?
Can you limit this
For our everyday
business purposes -
such as to process your transactions, maintain your
account(s), respond to court orders and legal
investigations, or report to credit bureaus
For our marketing
to offer our product and services to you
For joint marketing with
other financial companies
For our affiliates’
everyday business purposes -
information about your transactions and experiences
For our affiliates’
everyday business purposes -
information about your
We Don't Share
For non-affiliates to
market to you
To limit our
• Call 941-925-2890
your request to Member Services
P.O. Box 17185
Sarasota, Florida 34276-0185
Please note: If you are a new member, we
can begin sharing your information 1 day from the date
we give/sent this notice. When you are no longer our
member, we continue to share your information as
described in this notice.
However, you can contact us at any time to limit our
Who we are
is providing this notice?
West Coast Federal Employees Credit Union (WCFECU)
What we do
WCFECU protect my personal information?
To protect your personal
information from unauthorized access and use, we use
security measures that comply with federal law. These
measures include computer safeguards and secured files
WCFECU collect my personal information?
We collect your personal information, for
example, Information we received from you on
applications and other forms; Information about your
transactions with us or others; Information obtained
when verifying the information you provide, such as from
current or past employers or other institutions where
you conduct transactions; Information from your debit or
credit card transactions, etc.
Why can’t I limit all
Federal law gives you the
right to limit only
- Sharing for affiliates everyday business purposes – information about
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State laws and individual companies may give you
additional rights limit sharing.
What happens when I limit
sharing for an account I hold jointly with someone else?
The information is not shared, whether
the decline is given by the member or the joint owner.
related by common ownership or control. They can be
financial and nonfinancial companies. WCFECU does
not have any affiliates
Companies not related by
common ownership or control. They can be financial and
WCFECU shares with the following
groups to provide additional services to you:
CUNA Mutual Group, and FIS Card Services
A formal agreement
between nonaffiliated financial companies that market financial products or services to you.
Other important information
You can help by following these simple guidelines:
- Protect your account number, card numbers, PINs (personal
identification numbers) and passwords. Never keep your PIN with
your debit or credit 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,
explains 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 you for it.
- Keep your information current. 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. If your address or phone
number changes, please let us know.
If you would like to opt-out, please let us know in person or by
calling us at (941) 925-2890. We will need your account number(s) in
order to process your opt-out request. If you have any questions
regarding this notice, please call us at (941) 925-2890 - we are here to serve you.