Meridia 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 received 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 716-648-4411 or write to:

            Privacy Notice

            Meridia Community FCU

            4500 Southwestern Boulevard

            Hamburg, NY  14075

            memberservice@meridiacu.com

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, our affiliates or others; and
• 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 mortgage bankers, securities broker-dealers, and insurance agents.
• Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers/printers, retailers, plastic card processors, non-profit organizations, government agencies, and mail houses.
• Others, such as non-profit organizations.

We may also disclose, and do make disclosures of, nonpublic personal information about you to nonaffiliated third parties as permitted by law.

 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 other financial institutions with whom we have joint marketing agreements, to other companies that perform marketing serves on our behalf, or to nonaffiliated third parties for the purposes of processing and servicing transactions that you request or authorize, 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 or disclose the information we provide other third parties.

 DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS –

We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted 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, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

 MEMBER’S RIGHT TO OPT OUT

If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures; that is, you may direct us not to make those disclosures (other than disclosures permitted by law).  If you wish to opt out of disclosures to nonaffiliated third parties, you may call this toll-free number 1-800-360-1461 or send an E-mail to memberservice@meridiacu.com.

 WHAT MEMBERS CAN DO TO HELP –

Meridia Community 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!