Privacy & Security
Your Privacy is Important to Us
At Wauna Federal Credit Union the basis for each member relationship, many of which span generations, is trust. When you provide personal information to process your transaction, you fully expect your data to be used only for its intended purposes and to be kept confidential.
Our Privacy Pledge
Member Information We Collect
The Credit Union collects only relevant information about members that is needed to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal and financial information about you (member information), which is nonpublic. The member information we collect varies depending on the accounts and services you request and use. We collect information about you from the following sources:
We retain personal information we receive from you on any application you provide to us for membership, deposit account, EFT services, loans, financial planning, securities, insurance, or other Credit Union services. This information includes: name, address, e-mail address, social security number, birth date, phone number, employment and financial status, and credit history.
Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, insurance transactions, transactions through Home Banking, over the phone or at a branch we retain the transaction information, including: your account number, the date, amount, location of the transaction, and other pertinent information. Our affiliate may also provide us with reports on your securities and insurance transactions.
When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. We retain the personal and credit history information about you and we may use it to evaluate future account service requests.
We obtain information online when you visit our website, www.waunafcu.org. This includes retaining information you provide us on any online application, Home Banking transaction or information you send to us by e-mail.
Member Information We Share
In order to provide financial services to you, we share certain information about you with our affiliate and third party service providers. However, we only share information to the extent necessary to service your account or offer new services to you. If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience. Information we may have about former members is generally only shared or disclosed if necessary to enforce or administer an account or as required by law.
Sharing Information with Third Party Service Providers
In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share information with our service providers, including: data processing companies, check, ATM and other payment processing companies, payment networks, loan service providers, insurance companies, collection agencies, credit reporting agencies, financial planners, securities brokerage, and insurance companies, and financial service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed in writing to keep the member information we provide to them confidential. We share the following categories of information to third party service providers depending on the specific services provided:
- Personal information (name, address, SSN, account number, etc.)
- Account information (type of accounts, account balances, transaction history, etc.)
- Transaction information (dates, amounts, locations, type of transaction, etc.)
We do not sell member information nor share your account numbers with independent third party marketers offering their products and services. While we may assist in offering financial products and services of our affiliate or other financial service providers, we control the member information used to make such offers.
Sharing Information as Legally Required or Permitted
We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.
Our Confidentiality and Security Safeguards
We maintain strict policies and security controls to assure that member information in our computer systems and files is protected. Our employees are permitted access to member information that they may need to perform their jobs and to provide service to you. Our employees have access to such member information as necessary to conduct a transaction or respond to your inquiries. All employees are trained to respect member privacy. No one except our employees has regular access to the Credit Union computer system and records storage. The Credit Union has established internal security controls, including physical, electronic, and procedural safeguards to protect the information you provide us and the information we collect about you. We will continue to review our internal security controls to safeguard your member information as we employ new technology in the future.
Online Privacy Protections
Protecting Children’s Information Privacy
Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.
Abusive Member Policy
The purpose of this policy is to protect the employees and members of Wauna Federal Credit Union (WFCU) from abusive members or other persons. This policy is not enacted to restrict the rights and freedoms of anyone, but rather to address certain unacceptable conduct in order to assure the rights and protections of the credit union’s employees and members.
Denial and or Termination of Services:
Management is authorized to deny or terminate any or all services for a member who:
- engages in any abusive or threatening conduct or otherwise poses a threat to the safety of a Credit Union employee, volunteer, or other member, or to a safe and professional atmosphere in the Credit Union’s offices;
- engages in any unlawful conduct or activity affecting the Credit Union;
- misuses accounts, services, or facilities or fails to comply with Credit Union agreements or policies regarding accounts, services or facilities; or
- causes the Credit Union a loss.
If a member is denied all services, the membership share will remain in the share account until the member closes the account or the share is absorbed by fees.