Privacy Pledge to Members
AdvantagePlus of Indiana FCU is owned by its members and run by a board of directors that you elect. You are our most important asset and we value your business. You can be confident that your financial privacy is a top priority of this credit union. This document describes how we collect, use and safeguard your information. If you have questions, please contact our office at 812-231-7900 or 800-452-4917.
In order to assist you with your financial needs and provide excellent customer service, it is often necessary to collect and maintain certain types of information. We will collect or retain nonpublic personal information about you from the following sources:
-Information we receive from you on membership applications, loan applications, and other forms, such as name, address, social security number, assets and income.
-Information about your transactions with us or others, such as payment history and account balances.
-Information we receive from a consumer reporting agency, such as your credit worthiness and credit history.
-Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers, or from other institutions where you conduct financial transactions.
AdvantagePlus of Indiana FCU does not disclose nonpublic information about you or other parties, except as permitted by law. This may result in the disclosure of information in certain situations including:
-To process transactions.
-To effect, administer, or enforce a transaction that you request or authorize.
-To protect the integrity and security of our financial records.
-To prevent actual or potential fraud, unauthorized transaction, claims, or other liability.
-To a consumer reporting agency in accordance with the Fair Credit Reporting Act.
-To comply with federal, state, or local laws, rules and other applicable legal requirements.
-To the extent specifically permitted or required under the Right to Financial Privacy Act.
In situations where your information is shared, we require other parties to treat and maintain the privacy of your information with the same degree of diligence and attention that is required by us. We require outside companies to whom we provide member information for servicing or processing, to enter into a confidentiality agreement that restricts the use of the information to those purposes.
We do not sell or share personal information to other companies for the purpose of marketing their products or services to you.
If you decide to terminate your membership or become an inactive member, we will follow the same privacy policies and practices described in this notice.
AdvantagePlus of Indiana FCU restricts access to your personal and account information to employees who need to know that information to provide products or services to you. Employees not adhering to our firm policies are subject to disciplinary action. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to guard your nonpublic personal information.
Maintaining accurate information is essential to protecting the integrity of our member’s records. AdvantagePlus of Indiana FCU takes all precautions, in accordance with reasonable commercial standards, to ensure information is current and complete. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us at 812-231-7900 or 800-452-4917. We will respond to all requests in a timely manner.