We, our, and us, when
used in this notice, means N.J.L. & P. S. Credit Union. This is our privacy
notice for our members. When we use the words "you" and "your"
we mean the following types of members:
All of our consumer
members who have a continuing relationship with us, such as:
- Share account
- Loan account
- Credit card
- Financial, investment,
or economic advisory services (for a fee)
- Home mortgage brokerage
We will tell you the
sources for nonpublic personal information we collect on our members.
We will tell you what measures we take to secure that information. We first define some
terms.
- Nonpublic
personal information means information about you that we collect
in connection with providing a financial product or service to you.
Nonpublic personal information does not include information that is
available from public sources, such as telephone directories or government
records.
- An affiliate is a company we own or control.
- A nonaffiliated
third party is a company that is not an affiliate of ours.
THE
INFORMATION THAT WE COLLECT
We collect nonpublic
personal information about you from the following sources:
- Information we
receive from you on applications or other forms
- Information about
your transactions with us
- Information about
your transactions with nonaffiliated third parties.
- Information from
a consumer reporting agency
THE
CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL 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.
NONPUBLIC
PERSONAL INFORMATION AND OTHER PARTIES
We do not disclose
your nonpublic personal information to anyone, except as permitted by
law or as disclosed in this disclosure.
NONPUBLIC
PERSONAL INFORMATION AND FORMER MEMBERS
We do
not disclose nonpublic personal information about former members, except
as permitted by law.
AUTHORIZED
SHARING - OUTSIDE MARKETING SERVICES
We may
disclose the following information to companies that perform marketing
services on our behalf:
- Nonpublic personal
information we receive from you on an application or other forms, such
as
You do not have a
right to opt out of the disclosure of this information.
Types of Businesses
Here are the types
of businesses with whom we may disclose nonpublic personal information
for outside marketing purposes:
- Service providers
that perform marketing services for us
Reasons For Disclosing
Here is why we may
disclose nonpublic personal information about you to companies that perform
marketing services on our behalf:
- To provide our
members with information about additional products and services
AUTHORIZED
SHARING - JOINT MARKETING
We may
disclose the following information to other financial institutions with
whom we have joint marketing agreements:
- Nonpublic personal
information we receive from you on an application or other forms, such
as:
You do
not have a right to opt out of the disclosure of this information.
Exceptions:
We do
not share this information about members who reside in Alabama, Alaska,
Idaho, North Dakota, or Vermont.
We do
not share any information derived from deposit (share) relationships with
us about members who reside in Massachusetts, Mississippi, or New Jersey.
Types
of Businesses
Here
are the types of businesses with whom we may disclose nonpublic personal
information under this section:
- Financial service
providers, such as:
Reasons
For Disclosing
Here
is why we may disclose nonpublic personal information about you to other
financial institutions with whom we have joint marketing agreements:
- To provide our
member with information about additional products and service
