Wellness Federal Credit Union’s Privacy Policy
Our Online Privacy Practices
Keeping financial and personal information secure is one of our most important responsibilities. Wellness Federal Credit Union is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.
Secure Transmissions
To ensure information remains confidential, Wellness Federal Credit Union uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.
Email Security
Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number, or PIN through unsecured email. We ask that you do not send personal or account Information through regular email.
Cookies
A cookie is a small piece of information that a website stores directly on the computer you are using. Cookies may contain a variety of information from a simple count of how often you visit a website to information which allows customization of a website for your use. Wellness Federal Credit Union uses cookies to gather data about the usage of our website and to ensure that you have access to your account information. Anytime a cookie is used, personal information is encrypted for our use only and is protected from third party access (a cookie cannot be read by a website other than the one that sets the cookie).
Linking to Other Sites
To provide you with easy access to information, Wellness Federal Credit Union may provide links to other websites such as mortgage companies, insurance companies, government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and Wellness Federal Credit Union does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by Wellness Federal Credit Union. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.
Interactions with Children Online
Wellness Federal Credit Union is committed to the protection of children’s online privacy. Although we may offer educational content to children, we do not collect any personal information from any visitors of those sites.
Privacy Policy
To learn how Wellness Federal Credit Union handles information that we learn about consumers when visiting our website, contact us by mail, phone, or email, or visit our Privacy Policy page.
Wellness Federal Credit Union (WFCU) does not knowingly solicit or collect data from children and as per the Children’s Online Privacy Protection Act (COPPA), we do not knowingly market to children under the age of 13 online or otherwise. If WFCU receives information from anyone who identifies himself/herself as being under the age of 13 or if we have reason to believe someone under the age of 13 is making the contact, employees will treat that contact accordingly. Occasionally WFCU may promote children’s products or events such as coloring contests. Any information collected in these circumstances will be in accordance with COPPA and any other applicable laws and/or regulations.
Privacy Policy Disclosure
Wellness 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 the credit union. We are required by law to give you this privacy policy to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a financial services representative at 860-547-0027.
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 your transactions and 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.
Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy, we work only with companies that agree to maintain strong confidentiality protections and limit the use of the information we provide. We do not permit these companies to sell to other third parties the information we provide to them.
Information We Collect and Disclose About You
We collect the following non-public 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 have joint marketing agreements.
- From membership and loan applications and other forms, we obtain information such as name, address, Social Security Number, and income.
- From 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 verification of information you provide on applications and other forms, we obtain information from current or past employers, other financial institutions and other sources listed on the application.
We may also disclose the 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 Wellness 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 non-public personal information about you 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 non-public personal information.
U.S. Patriot Act
To help government fight funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that on personal accounts identifies each person who opens an account. In addition on legal entity accounts, we will require identification on beneficial owners and controlling person. 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.