NYM FEDERAL CREDIT UNION PRIVACY NOTICE

NYM Federal Credit Union is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete our transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.

Information We Collect and Disclose About You

We collect the following nonpublic personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we make joint marketing agreements.

·	From membership and loan applications and other forms, we obtain information such as name, address, social security number and income.
·	From your transactions with us or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history, parties to transactions, and credit card usage.
·	From consumer reporting agencies, we obtain information such as your creditworthiness and credit history.
·	From verifications of information you provide on applications and other forms, we obtain information from current or past employers, and other financial institutions and other sources listed on the application.

We may also disclose information we collect about you under other 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. If you terminate your membership with NYM Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about your to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

NYM FEDERAL CREDIT UNION ONLINE PRIVACY / SECURITY NOTICE

ONLINE SECURITY STATEMENT

NYM Federal Credit Union is committed to making sure that your online banking is safe and secure. If you use a form on our website to inquire about our products and services we may require you to complete a form or application with information, such as your name, address, telephone number and/or e-mail address. We have taken the steps necessary to safeguard such information you transmit to us. Personal information should not be sent to us via e-mail.

COOKIES

In order to provide better Service, we may occasionally use a "cookie". A cookie is a way for web sites to recognize whether or not you have visited the site before. It is a piece of data given to a browser by a web server, so that the browser will hand it back to the server on subsequent visits. Recording a cookie at such points makes your online experience easier and more personalized. Although there has been some debate over the privacy implications of cookies, they do not read your hard drive nor can they be used to reveal anything about you that you have not already explicitly revealed. You can set up your web browser to inform you when cookies are set or to prevent cookies from being set.

LINKING TO OTHER SITES

If you choose to link to other Internet sites it is at your own risk. We are not responsible for the privacy or security of third party sites hyperlinked from this web site, nor do we make any endorsement or warranties, express or implied, with respect to the content of third party web sites or the products or services offered on any third party web sites. We also do not warrant or represent that any third party site does not contain any viruses or other contamination.
The Federal Trade Commission's web site contains important information about protecting yourself from identity theft and fraud.

Click here to visit their Identity Theft site: www.consumer.gov/idtheft

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