University Credit Union's Board of Directors, management and staff consider your financial privacy a top priority. Protecting your personal information is just part of our commitment to our relationship with our members. This notice describes how we collect, disclose, share and protect the privacy of your personal information.

This notice describes the privacy policy of University Credit Union (UCU). It is important for you to know that UCU does not, nor will we ever, sell, share, trade, or rent names or other information about our Members to third party marketers.

References to "we," "us," and "our," refer independently to UCU. References to "you" or "your" shall mean the Members of UCU. Throughout this notice, the word "information" refers to personal information about you that may not be publicly available.

The Credit Union shall provide this notice at the time of account opening.  In addition, it will be sent on an annual basis and whenever revisions are made.      

Information We Gather

In the course of providing services to you, we gather information about you from the following sources:

Cookies Information

"Cookies" are small pieces of information sent by a web site's server to a user; the user's computer may show the information back to the server on subsequent pages or actions. Session cookies end when the session with the server ends.

When you browse our web site, www.universitycu.org, you do so anonymously; information about you is not collected. When you access our online banking service, UCU@Home session cookies are used. Session cookies are necessary for the security of your account and are used for authentication only. 

Information We Disclose

As permitted by law: We may also disclose information for certain other specific purposes. These disclosures are permitted under the law and include information to process transactions on your behalf, conduct our operations, follow your instructions, or ensure the security of our financial records. 

To parties that provide services for us: We do not, nor will we ever, sell, share, trade, or rent names or other information about our Members or former Members to third parties. We are permitted to disclose certain information to parties that provide services for us, such as companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may also disclose certain information to financial service providers that perform services on our behalf, such as insurance and mortgage services.

We enter into a contractual agreement with each service provider to ensure that your information is used only for the contracted purpose. The following information may be disclosed to service providers:

How We Protect Your Information

Access to information about you is limited to those team members, our employees, who provide products or services to you. We maintain physical, electronic and procedural safeguards that meet or exceed federal standards to protect your information.

UCU's Internet online banking service, UCU@Home, provides secure financial services through a protocol known as the Secure Sockets Layer. To access UCU@Home, you will need access to a computer with Internet access and a Secure Sockets Layer compatible browser. The Secure Sockets Layer validates the identity of our site to our Members by using a digital certificate.

When you enter UCU@Home, encryption is automatically enabled. This is called a secure site. Make sure that the site address begins with “https”.  Addresses beginning with “http” are not secure.

You can help protect your information by using the "Log Out" option to exit UCU@Home online banking service and closing your browser. For added security, your account will be logged out of UCU@Home after a specific period of inactivity.

 An Important Note About E-mail

When opening an e-mail link, your e-mail application is automatically started for you in an unsecured environment. Please use the Contact Us Form on the Credit Union’s home page to send general comments, questions, or feedback only. If you have specific questions or problems about your account, we recommend that you contact us by telephone at (617) 739-7447.

 Links

Our web site may contain links to other sites. Please note that the privacy policy at these other sites may be different from ours. You should review the privacy policy of any site linked to our site before providing any information.

 Children

We do not solicit data from or market to children under the age of 13 on our web site. When you browse our web site, you do so anonymously; information about you is not collected.  

Information on Public Records

You may be aware that businesses can obtain certain consumer information, such as that related to mortgage loans, which is a matter of public record and available to anyone from the County Recorder's Office. Unfortunately, this information is often used by companies to market their products and services directly to you. At times, they also make reference to the credit union, which may imply that they obtained the information from us. The lenders' names as well as certain details of the loans are included in the public records, and that is where they obtain their data.

 How to Remove Your Name from Credit Offers

If you prefer not to receive pre-approved credit solicitations, you can write to the credit reporting agencies shown below or call (888) 5OPT-OUT (888-567-8688). By removing your name, you will no longer receive unsolicited credit offers from UCU or other businesses such as credit card companies, department stores and banks.

When you call to remove your name from credit bureau lists, you will be given a choice to opt out for two years or permanently. Even though your request becomes effective within a week of calling, it may take several months before you see a reduction in the amount of unsolicited offers of credit.  

Experian — P.O. Box 9556, Allen, TX 75013
Equifax — P.O. Box 740241, Atlanta, GA 30374
Trans Union — P.O. Box 97328, Jackson, MI 39288-7328

How to Remove Your Name from Direct Mail and Telephone Lists

 The Direct Marketing Association (DMA) sponsors Mail Preference Service (MPS) and Telephone Preference Service (TPS), which has been helping consumers since 1971 limit the national advertising mail and telephone calls they receive. If you would like to reduce the amount of advertising you receive from companies, you may write to:

 Mail Preference Service
Direct Marketing Association
P.O. Box 9008
Farmingdale, NY 11735-9008

Telephone Preference Service
Direct Marketing Association
P.O. Box 9014
Farmingdale, NY 11735-9014

If you write to these agencies, your name will be removed for three years from lists used by direct mail companies that subscribe to MPS and TPS. Removing your name from the above lists will not end all solicitations from businesses that do not subscribe to those services. To eliminate mail from those businesses-as well as mail addressed to "occupant" or "resident"-write directly to each source.

 Working Together to Protect Your Identity

With the rising number of identity theft cases in the U.S. each year, your credit union is committed to ensuring the protection of our Members' personal information as well as the safety of our Members' funds. If someone has fraudulently used your identification to establish credit, contact your credit union immediately and then report the incident as quickly as possible to each of the credit reporting agencies.

Experian                                  (888) 397-3742
Equifax                                    (800) 525-6285
Trans Union                             (800) 680-7289

You may also want to find out if any additional credit accounts have been opened without your consent or whether unauthorized charges were billed to your accounts. Contact these credit reporting agencies to obtain a copy of your credit report.

Experian                                  (888) 397-3742
Equifax                                    (800) 685-1111
Trans Union                             (800) 916-8800

 For Additional Information