Our Privacy Pledge to You
As our member you provide us with important information
about yourself. We believe it is our responsibility to safeguard your
personal and financial information. While some financial institutions
share account owner information with other businesses, we are committed to
keeping it confidential.
We have developed the following privacy policy to ensure
you the confidentiality you deserve. You have our promise that we will
adhere to these guidelines. It is our pledge to you.
Notice of Your
Financial Privacy Rights
We, our, and us, when used in this notice, mean
Yolo Federal 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:
Our consumer members who have a continuing relationship
by purchasing or holding financial products or services such as a(n):
-
Share account
-
Loan account
-
Credit card account
-
Safe deposit box
-
Insurance policies issued by or through us
-
All IRA accounts for which we act as custodian
We will tell you the sources of the information we collect
about you. 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. Hereafter, we will use the
term "information" to mean nonpublic personal information as
defined in this section.
An affiliate is a company we own or control.
A nonaffiliated third party is a person we do not employ or a
company that is not an affiliate of ours. This is also known as
nonaffiliated third party, or simply, an "other party."
The Information We Collect
We collect information about you from the following
sources:
-
Information you give us on applications or other forms
-
Information about your transactions with us
-
Information about your transactions with other parties
-
Information from a consumer reporting agency
-
Information we receive as a result of verifying member
information
Information We Disclose About You
We do NOT disclose any information about you to anyone,
except as permitted by law.
Examples of this might include disclosures necessary to service your
account or prevent unauthorized transactions.
The Confidentiality, Security, and Integrity of Your
Information
We restrict access to 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 to protect this information.
Information about Former Members
We do not disclose information about former
members, except as permitted by law.
Privacy Practices on the Web
Yolo Federal Credit Union values your interest in learning more about our products and services and we are committed to protecting the personal privacy of the visitors to our web site. It is our policy to limit the collection and storage of personal information necessary for us to administer our business, provide you with quality service and offer you opportunities we think might be of interest. We do not disclose any personal information collected from our web site to unaffiliated organizations.
Our Pledge. We will:
- Never sell our member list.
- Collect and use information only for legitimate business purposes.
- Maintain accurate records based on information provided to us.
- Share information only with companies that assist us in providing products and services to you, our members. These companies will be given only information pertinent to the product or service and must agree to protect confidential information.
- Provide information when legally required and for credit reporting and fraud prevention.
- Maintain reasonable and adequate data security measures.
- Comply with all applicable privacy laws.
When you visit any web site, your "IP address" is recorded. We collect IP addresses for the sole purpose of tracking information and to compile statistics to help us improve the site so that its users will find it more helpful and informative. The information is used solely for these analytical purposes and is discarded after use. IP address information is not distributed to third parties.
We also use a technology called "cookies" to customize the site for returning visitors. A cookie is a small piece of data which is stored on a visitor’s PC and later retrieved. For example, you may have noticed that upon returning to a frequently visited web site, you can quickly see the areas of the site you often visit. This is helpful when you return to a site to obtain information from certain sections quickly. Our policy is to use cookies only for these limited purposes. For more information, please see cookie.
To provide you with greater access of information, the Yolo Federal Credit Union site also contains links to other sites. While we hope these organizations join us in respecting your privacy, Yolo Federal Credit Union is not responsible for the content or privacy practices of these other web sites.
If you have any questions or comments about our privacy practices send us an e-mail at info@yolofcu.org.
More About Cookies
Recently, the media have devoted much attention to the use of "Cookies" on the Internet. A Cookie in this setting is merely a small piece of information that is stored on the visitor's PC and later retrieved. The technology is useful for having the browser remember some specific information across several pages or between visits to a site.
Browsers may be set up to display a warning when a cookie is used. Individuals may even disable their browsers from accepting cookies. In order to provide you with the best possible experience while visiting our web site, please enable cookies within your browser. In order to use our PC Banking Service,
cookies must be enabled on you browser. We will not be storing any sensitive information within your cookie and we will use it only to provide you excellent service. Also, our site does not read any information stored in cookies given to you from other web sites.*
If you would like to see the contents of your cookie, see the Help section located in your browser. You will notice that the majority of information within the cookie is some type of hexadecimal text string that is meaningful only to the server that wrote the cookie.
* Note: Some applications on our web site may require that you accept cookies so the application can keep track of the pages you complete until you submit your form. Information stored in a mandatory cookie is used only to keep track of your current session, and is not used to track your usage in any way.
