Member Privacy

Over the years, UNFCU has worked hard to earn your trust, and we will continue to be vigilant in maintaining the privacy of our members. To that end, we have instituted policies and procedures intended to ensure that your personal information is handled safely and responsibly. As you will see in the statement of our privacy practices, we take this responsibility very seriously and are committed to providing you with the highest level of member service and confidentiality. It is our promise that UNFCU will collect only the information necessary to deliver to you quality products and services. Furthermore, we are continually assessing new technology as it becomes available to continue to best protect your privacy.

(A) What information do we collect and what may we disclose?

We collect, use and retain information about you only for specific business purposes. This is necessary in administering our business for you and in providing competitive products, services, and other opportunities that will satisfy your financial service needs.We collect the following “nonpublic personal information” about you from the following sources:

At times, it becomes necessary to provide to third parties nonpublic personal information about you that we collect in order to facilitate transaction processing and provide support or services for one or more of our products. Therefore, we may disclose all of the nonpublic personal information that we collect as described above. Examples of these third parties would include title insurance companies, statement production vendors, collection agencies, credit card service bureaus, and check service providers. In addition, we may provide all of the nonpublic personal information about you described above to specially selected third parties who offer enhanced products and services such as GlobalPhone Corporation. These third parties have been carefully selected by UNFCU and agree to safeguard your confidential information with the same commitment to privacy as we have.

(B) What happens if my information is incorrect or incomplete?

We have implemented procedures to help ensure that member financial information is maintained in a manner that will ensure it is accurate, current and complete. If you have reason to believe that your information is incomplete or inaccurate, we invite you to contact us so we can correct our records promptly.

(C)Who has access to my information?

For your protection, UNFCU staff is required to verify the identity of the individual who is requesting the account information. Only you and verified joint accountholders are entitled to obtain information about your account. We thank you for cooperating with our identification procedures when you contact us. Access to confidential member information is limited to only those UNFCU employees with a business reason for knowing such information. We educate our staff so that they understand the importance that UNFCU places on confidentiality and member privacy. In addition, we maintain security standards and procedures to help prevent unauthorized access to confidential information about you. Member privacy is also addressed in the UNFCU Employee Handbook, and any staff who violates this policy will be subject to appropriate disciplinary measures.We do not reveal specific information about your accounts or other personally identifiable data to unaffiliated third parties for their independent use, unless:

(D) How does UNFCU protect my information from unauthorized access?

We maintain and follow strict security standards and procedures designed to guard against unauthorized access to and disclosure of confidential member information. Whenever reasonably possible, we will use security-coding techniques to protect against unauthorized access to your personal records, ensure accuracy and integrity of communications and transactions, and protect your confidentiality.

(E) Are there any exceptions that I should know about?

Under certain circumstances, your member information may be shared with our wholly-owned subsidiary, the Investment Centre. This information is shared in order to market additional products and services, and to ensure we consider your entire relationship with us when making decisions about the products and services we provide to you. Examples of such information may include information about your identity, your transaction history, your current financial condition, and information obtained from a credit report or other sources outside of our institution.

(F) How can I avoid having my information shared with nonaffiliated parties?

If you prefer that we not disclose nonpublic personal information about you to a nonaffiliated third party, you may opt out of those disclosures; that is, you may direct us not to make those disclosures (other than disclosures permitted by law). Please be assured that we will not directly, or through the Investment Centre, disclose any nonpublic personal information about you to a nonaffiliated third party unless all of these conditions are fulfilled:

However, please be aware that your right to opt out will not apply to disclosures that are legally permitted or to disclosures we make to companies that perform services on our behalf. Situations where this type of sharing could take place could include:

When we share information with third parties, we hold all such parties to the same high standards as we do ourselves with respect to the privacy of your information. If you wish to opt out of nonaffiliated third product and service offers, please complete the Opt Out Request Form and return to the address indicated.

Internet Privacy

When you visit our website at www.unfcu.org, we want you to feel secure that we are respecting your privacy. The majority of our website is protected with 128 bit SSL encryption. This encryption protects the user’s information from being viewed by an unauthorized party. We protect your account information by placing it on the secure portion of our website. That is why you have to enter a unique member number and password each time you want to access your account information. In addition, you can click on “Log Out” located throughout Internet Banking to securely exit your account without closing your browser. Your password should never be shared with anyone.

(A) General Website Pages

When you browse through our website and have not registered for any online service, you browse anonymously. Personal information—such as your name, address, phone number or email address—is not collected as you browse. We do, however, collect and store information, or “cookies,” on the domain you use to access our website. This includes the Internet address of the site from which you linked directly to our site, and the date and time of your visit to our website. This information is used to measure the number of visitors to the various pages of our website. This information helps us make improvements to the site and better serve our members through special marketing programs.

(B) Restricted Account Access Website Pages

Personal identifying information is collected when a member registers to access his/her account(s) via the Internet. This information enables us to regulate entry to the restricted portions of our website and to measure member usage.

(C) Third Parties

We will make full disclosure online when information is being collected for transference to, or usage by other parties. Please note that by accessing a link that appears on our website, which redirects you to a website hosted by another party, you will no longer be subject to, or under the protection of the privacy and security policies of our website. We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than ours.

(D) Personal Information

Personal information contained in email sent by members and non-members may be used by UNFCU staff and volunteers to answer questions, to follow up on suggestions or complaints, or to improve the level of service provided. We may use information you have given us to provide a service, ensure proper billing, measure consumer interest in our various services, and inform you about products and services. When we send emails to you, we may be able to identify information about your email address, such as whether you can read graphic-rich html emails. If your email address is html enabled, we may choose to send you graphic-rich html emails. Please note that we do not provide your email address to third parties. However, we may send you offers on behalf of a third party. Keep in mind that if you take advantage of an offer from a third party and become their customer, they may independently want to send offers to you. In this case, you will need to inform them directly if you do not want to receive future offers from them.

(E)Warning Concerning Emails

Please be advised that email messages sent to us from outside of our specified web forms may not be secure against interception by unauthorized individuals.

(F) Opt Out Email Policy

Any member who does not wish to receive email promotions or notices can reply to any email sent and ask to be removed from the email list. We are committed to protecting your privacy and confidential member information. If you are concerned about your financial privacy and want to know more about this important subject, or if you have a question regarding this Privacy Policy, please call us at +1 347-686-6000 or send an email to email@unfcu.com. You can also write us at the following address:

United Nations Federal Credit Union

Court Square Place

24-01 44th Road

Long Island City, NY 11101-4605, USA

ATTN: Member Directed Services

These privacy principles apply to all UNFCU members, all former members and all nonmember consumers.