Privacy...It's Your Right
Protecting your privacy is of great importance to your credit union. We have always maintained a strict confidentiality policy to protect not only your financial assets, but your personal information as well.
References to "we," "us," and "our," refer independently to Pittsford FCU. References to "you" or "your" shall mean the Members of Pittsford FCU. Throughout this notice, the word "information" refers to personal information about you that may not be publicly available.
Information We Gather
In the course of providing services to you, we gather information about you from the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us or our affiliates;
- Information we receive from consumer reporting agencies; and
- Information obtained when verifying information you provide on applications or other forms (this may be from your current or past employers or from other institutions where you conduct financial transactions).
"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, you do so anonymously; information about you is not collected. When you access our online banking service, Internet Banking session cookies are used. Session cookies are necessary for the security of your account and are used for authentication only.
Information We Disclose
We may 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.
Disclosure of Information to Parties that Provide Services for Us
We do not, and never will, sell 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:
- Information we receive from you on applications or other forms (such as your name, address, social security number, assets and income);
- Information about your transactions with us or our affiliates (such as your account balance, payment history and credit card transactions); and
- Information we receive from consumer reporting agencies (such as your credit history).
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.
Pittsford FCU's Internet online banking service, Internet Banking, provides secure financial services through a protocol known as the Secure Sockets Layer. To access Internet Banking, 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 Internet Banking, encryption is automatically enabled. This is called a secure site. To verify if an Internet session is secure, check the key or lock icon in the corner of your browser's screen. If the key or lock appears intact, then encryption is activated.
You can help protect your information by using the "Log Out" option to exit the Internet Banking service. For added security, your account will be logged out of Internet Banking after the selected inactivity period. Click here for more information about the Secure Sockets Layer or the use of encryption.
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 only email MemberService@PittsfordFCU.org with general comments, questions, or feedback. If you have specific questions or problems about your account, we recommend that you utilize the Secure Contact Us page on our website or contact us by telephone at (800) 836-8010.
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 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.
Thank you for the continued opportunity to serve you. If you have any questions regarding this privacy notice, please contact us at (800) 836-8010, or use our Contact Us page.