We, our, and us, when used in this notice, mean Credit Union of The Berkshires.

This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members:

All of our consumer members who have a continuing relationship with us, such as:

  • Deposit account
  • Loan account
  • Credit card
  • Automobile lease we service
  • Retail installment contract we hold and service
  • Self-directed Individual Retirement Account where we act as custodian or trustee
We will tell you the sources for nonpublic personal information we collect on our members. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control.

A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms
  • Information about your transactions with us
  • Information about your transactions with nonaffiliated third parties
  • Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
 We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER MEMBERS
We do not disclose nonpublic personal information about former members, except as permitted by law.

AUTHORIZED SHARING OUTSIDE MARKETING SERVICES
 On occasion we may hire companies to perform telemarketing services on our behalf. While we will not provide the companies any specific account information we have collected we may confirm membership to the Credit Union of The Berkshires.

Federal law allows us to disclose the information listed above with the companies that perform marketing services on our behalf. You do not have the right to opt out of the disclosure of this information.

NONPUBLIC PERSONAL INFORMATION AND AFFILIATES - FUTURE CHANGES
In the future, we may disclose nonpublic personal information about you to an affiliate, specifically a Credit Union Service Organization formed by Credit Union of The Berkshires. Here are the kinds of nonpublic information we may disclose to our affiliate:

Transaction and experience information from our account records:

  • Information about your transactions and experience with us, such as
    • Name
    • Address
    • Loan account balances
    • Loan account activity
    • Types of accounts
    • Credit card usage
    • Payment history
    • Parties to the transaction

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.