| The Holyoke Community Federal Credit Union is committed
to making available financial products and services that will enable our
Members to meet their financial needs and reach their financial goals.
Protecting personal information and using it in a manner consistent with
our Member's expectations is a high priority for everyone associated
with our credit union.
We recognize that our Members also have a responsibility to safeguard
their financial information. We will put forth every effort to
work along with them to ensure that they can rely on the quality of
products and services we make available. In order to facilitate
this goal, the credit union stands behind the following privacy policy.
- Our credit union will collect only the personal information that
is necessary to conduct our business. That means just what is
necessary to provide competitive financial products and services--no
more.
- Our credit union will protect our Member's personal information.
Our credit union will maintain strong security controls to ensure
that member information in our files and computers is protected.
Where appropriate, we will use security coding techniques to protect
against unauthorized access to personal records, ensure accuracy and
integrity of communications and transactions, and protect Member
confidentiality.
- Our members will always have access to their information. As
a member of our credit union, they will always have the opportunity
to review their information and make changes to ensure that our
records are complete and accurate.
- Our credit union will share information only when absolutely
necessary. We will only share information to administer the
products and services we provide, or when required to do so by the
government, or when we partner with other businesses to offer a
broader array of products and services.
- Our credit union will partner only with businesses that follow
strict confidentiality requirements. The businesses we select
will offer products designed to enhance our Member's economic
well-being. Under no circumstances will we authorize these
firms to charge our Member's accounts without their express consent
and we will not sell member information to telemarketing firms.
- Our credit union will offer a choice in how our Members
information is used. Any Member of our credit union may elect
to keep their information from being shared with our business
partners. We will inform our Members on how to exercise their
choice, and we will take all reasonable steps to make sure their
requests are followed. At least once a year, we will remind
all Members of their right to choose.
- Members who request that the credit union remove their names from
mailing lists being shared with third parties must notify the credit
union in writing. Opt out disclosures will be provided to all
Members to assist them in this process. New Member packets
will also include these disclosures. Upon receipt of an opt
out notice from a Member, the credit union will immediately have
their names removed from future mailing lists of all such third
parties.
- The Manager and Assistant Manager of the credit union will have
the responsibility of responding to Member privacy notice inquiries
as well as requests to review personal financial information the
credit union may have collected. Members will be reassured of
the continued efforts of the credit union to protect the privacy of
all personal financial information.
|