Disclosures | USSCO Federal Credit Union

USSCO Federal Credit Union, your member-owned financial institution is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law we are required to give you this privacy notice. It describes our credit union’s privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometime nonpublic information from us as we conduct the business of the credit union.

If after reading this notice you have questions, please contact us at (814) 266-4987 or write to:

USSCO Federal Credit Union
532 Oakridge Drive
Johnstown, PA 15904

INFORMATION WE COLLECT ABOUT YOU-

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications and other forms
Information about your transactions with us
Information we receive from a consumer reporting agency
Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conducted financial transactions

We may disclose all of the information we collect, as described above as permitted by law.

PARTIES WHO RECEIVE INFORMATION FROM US –

We may disclose nonpublic personal information about you to the following types of third parties:

Financial service providers, such as insurance companies and mortgage service companies

Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers/printers, plastic card processors, government agencies and mailhouses.

DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US –

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to other financial institutions with who we have joint marketing agreements, to other companies that perform marketing services on our behalf, or to nonaffiliated third parties for the purposes of processing and servicing transactions that you request or authorize, so that we may provide members competitive products and services.

We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS –

If you terminate your membership with USSCO Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

DISCLOSURE OF INFORMATION ABOUT CHILDREN’S PRIVACY –

The online services offered through USSCO Federal Credit Union’s website are not designed for or directed toward children under the age of thirteen (13). We do not knowingly solicit or collect data from children and we do not knowingly market to children online without parental consent of notification. If we receive online information from any child we will use the information to respond directly to the child’s request. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents. If you believe your child has provided personally identifiable information to us, please contact us so we can allow you the opportunity to review and delete such information by contacting the marketing department.

HOW WE PROTECT YOUR INFORMATION –

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

WHAT MEMBERS CAN DO TO HELP –

USSCO Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

Protect your account numbers, plastic card numbers, personal indentification numbers (PINs) or passwords. Never keep your PIN with your card. The PIN can provide free access to your accounts if your card is lost or stolen.

Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.

Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact your immediately.

Le us know if you have questions. Please do not hesitate to call us – we are here to serve you!

NOTICES:

New Account Procedures:
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 will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

FACT Act:
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Website:
If you visit our website, USSCO Federal Credit Union collects and stores information on the domain you use to access our website, the Internet address of the site from which you linked directly to the site, and the date and time of your visit. This information is used to measure the number of visitors to the various pages on our site to better serve our membership.

The documents and graphics appearing on this Website might include technical inaccuracies, typographical errors, and out-of-date information and use of any and all materials contained in this Website is at your own risk. Changes may be made at any time to the information on this Website without prior notice.

E-Mail:
If you send an e-mail, USSCO Federal Credit Union collects and stores personally-identifying information in order to process your e-mail, form or application. This information is not sold to any third parties. Due to the volume of e-mail activity, these messages are deleted after they are answered or completed.

Home Banking:
If you visit a secure site, such as home banking, you will be asked for personal identification numbers which will give you access to the member only section of our website. This information enables USSCO Federal Credit Union to regulate entry to the member only portions of our website and to measure member usage. Any identifying information gathered is not sold to third parties.

Links:
This site may contain links to third party websites. These websites have no offical relationships with our institution. We provide this information as a convenience to our visitors. We do not endorse or guarantee the quality or services provided by these establishments. By selecting these links you will be leaving our web space. We do not guarantee the accuracy or content of these pages.