Arapahoe Credit Union is committed to protecting the privacy of our members' financial records consistent with federal and state laws. In the course of providing services to you, we collect information about you, some of which is non public personal information. We do not sell your nonpublic personal information, but we do share such information with our service providers and others to better serve you. We share your nonpublic personal information only with contractual safeguards to protect the confidentiality of your information. We maintain strong security controls to safeguard the privacy and accuracy of communications and transactions to protect our members' confidentiality. The purpose of this notice is to inform you of the credit union's Privacy Policy.

 

Information we collect about you

We collect and retain information about you from the following sources:

Information we receive from you on applications; other forms (for example, name, address, social security number, assets, and income); and information received while verifying data provided on applications;

Information about your transactions with us, our affiliates or others including those companies that work closely with us to provide you with our financial products and services (for example, your account balance, payment history, parties to transactions and credit card usage);

Information we receive from a credit reporting agency or check verification agency;

Information contained in emails.

 

Information We Disclose

We may disclose all of the information we collect, as described above, as permitted by law and in accordance with the credit union's privacy policy.

 

Disclosure of Information to Parties that Provide Services to Us

In order that we may provide members competitive products and services, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf and to other financial service providers with whom we have joint marketing agreements.  We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct our operations, follow your instructions as you authorize or protect the security of our financial records.

 

Disclosure of Information About Former Members

If you decide to terminate your relationship with us, we will not disclose any nonpublic personal information we have collected about you to anyone, except as may be permitted or required by law.

 

Fair Credit Reporting Act Disclosure

We are permitted by law to share any information about transactions or experiences with you.  However, information taken from credit reports will not be exchanged or shared with anyone.

 

How We Protect Your Information

We restrict access to nonpublic personal information about you to those credit union employees who need to know that information to provide products or services to you.  All of our employees receive training regarding confidentiality and security of member information.  We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information 

 

Your Responsibility to Protect Information

The credit union is committed to protecting the privacy of its members. There are certain things that you should also do to protect your privacy. For instance, in order to protect the transmission of information you send by e-mail to the credit union, these messages should be sent through our on-line banking system that has a secure server.  In connection with any passwords or PIN information, you should keep that information confidential and in a location separate from you account numbers (e.g., member number, card numbers) or in anyway that a third party would be able to easily identify this information to persons that contact you. Our staff will already have access to your information (except PIN's which you should not disclose to even credit union staff) when they contact you -- they will not have to ask you for it. If you have any questions regarding the credit union's privacy policies or other information, please contact us at:

 

Arapahoe Credit Union

3999 E. Arapahoe Road

Centennial, CO  80122

 

Important Information About Procedures for Opening a New Account

 

To help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you: When you open an account, we ask for your name, address, date of birth, and other informaion that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.