ACPE Privacy Policy
Adopted November 21, 2000
Revised January 26, 2005 and November 28, 2007
Purpose -
"ACPE Federal Credit Union is committed to making availble financial products
and services that will enable the credit union to meet the financial needs of members
and assist memebers to reach their financial goals. Protecting personal information
and using it in a manner consistent with member expectations is a high priority
for everyone associated with ACPE Federal Credit Union."
ACPE's goal is to maintain member trust and confidence when handling personal information.
Privacy Standards - To ensure members can rely upon the quality of services ACPE
Federal Credit Union makes available, the credit union has approved the following
privacy policies:
- ACPE Federal Credit Union will collect only the personal information that is
necessary to conduct its business and required by law. That means just what is necessary
to provide services -- no more.
- ACPE Federal Credit Union will protect all personal information. The credit union
will maintain security controls to ensure member information in ACPE’s files and computers
is protected. Where appropriate, the credit union will use security-coding techniques to
protect against unauthorized access to personal records, ensure accuracy and integrity of
communications and transactions, and protect member confidentiality.
Employees will be trained in the proper handling of personal information and when
other companies are used to provide necessary services for ACPE, those companies
will be required to protect the confidentiality of the personal information they
receive from ACPE.
- Members of ACPE Federal Credit Union will always have the opportunity to
review their information and make necessary changes to ensure their records are
complete and accurate.
- ACPE will only share information to administer the products and services
provided, when required to do so by any government, court order or legal process,
when necessary to transact or conduct normal business or when necessary to protect
against fraud or unauthorized transactions.
- ACPE Federal Credit Union will not sell information to or provide information
in any way to telemarketing firms or non-partnered businesses. Each member will be
advised of the Privacy Policy at the time of opening an account and each year thereafter.
- Without the expressed written consent of the member, ACPE Federal Credit Union does
not provide member information to third parties except as permitted by law. Reporting to
credit bureaus is an exception and the member is not given the opt-in/opt-out choice.
- ACPE Federal Credit Union may provide the names, addresses, and/or phone numbers of board members to credit union members, only with an individual board member’s written permission.
Important information about Credit Reporting:
ACPE may report information about member accounts to credit bureaus.
Late payments, missed payments or other defaults on accounts may be reflected
in credit reports.