Green River Area FCU is committed to making
available financial products and services that will enable our
members to meet their financial needs and reach their financial
goals. Protecting personal information and using it in a manner
consistent with our members' expectations is a high priority for
everyone associated with our credit union. As members of GRAFCU, our
members also have a responsibility to safeguard their financial
information. To ensure that our members can rely upon the quality of
products and services we make available, GRAFCU stands behind the
- Our credit union will collect only the
personal information that is necessary to conduct our business.
That means just what is necessary to provide competitive
financial products and services and to safeguard the assets of
the credit union.
- Our credit union will protect our members'
and former members' personal information. Our credit union will
maintain strong security controls to ensure that member
information in our files and computers is protected. Where
appropriate, we will use security coding techniques to protect
against unauthorized access to personal records, ensure accuracy
and integrity of communications and transactions, and protect
member confidentiality. The credit union shall restrict access
to member information to those employees; directors and other
volunteers who have need for it to provide products and services
to the members or to fulfill their legal or fiduciary
responsibilities. Credit union employees and volunteers will be
informed of their responsibility to protect confidential member
- Our members shall have reasonable access to
their information. As members of GRAFCU, our members will always
have the opportunity to review the information the credit union
retains in its records during normal business hours. The credit
union has the responsibility to ensure that the records are
complete and accurate.
- Green River Area FCU will not disclose
nonpublic personal information (as defined in NCUA Rules &
Regulations, Part 716) to non-affiliated third parties except:
- When the member authorizes the
- When the disclosure is authorized by
- When such disclosure is required to
complete a transaction;
- When to comply with any court order,
applicable law or regulation;
- To verify the existence and condition of
an account for a third party as permitted by law;
- When the credit union has a joint
marketing agreement with a third party financial institution
(such as an insurance company) and the third party financial
institution is contractually obligated to keep any disclosed
nonpublic personal information confidential and to use the
information only for the purpose of the joint marketing
- Green River Area FCU will not share
information with non-affiliated businesses. Under no
circumstances will we authorize any firm to charge our members'
account without our member's express consent and the credit
union will not sell member information to telemarketing firms.
- The credit union shall not be responsible for
the privacy practices or content of any web site linked to Green
River Area Federal Credit Union's website.
- The credit union will provide and maintain a
document shredder in each office for the safety, privacy and
convenience of our members.
- The credit union does not disclose any
nonpublic personal information of nonmember consumers who
occasionally use credit union services such as cashing payroll
checks of the credit union's sponsor.
|Green River Area Federal
Credit Union collects nonpublic information about you from
the following sources:
- Information we receive from you on
applications or other forms;
- Information about your transactions
with us or others;
- Information we receive from a
consumer reporting agency; and
- Information we receive when verifying
information you have provided us.
|We may disclose all of the
information we collect about our members and former members
as described above to companies that perform marketing
services on our behalf or to other financial institutions
with whom we have joint marketing agreements. We may also
disclose nonpublic personal information about our members
and former members to nonaffiliated third parties as
permitted by law.
|Green River Area Federal
Credit Union restricts access to your personal information
to those employees, directors and supervisory committee
members who need to know that information to provide
products and services to you or perform their duties under
federal or state regulations. We maintain physical,
electronic and procedural safeguards that comply with
federal regulations to guard your nonpublic personal
As a member of our credit union, you also have a
responsibility to safeguard your financial information. Members can
help by following these simple guidelines:
- Protect your account numbers, card numbers,
PINs (personal identification numbers) and passwords. Never keep
your PIN with your ATM/Debit card which can provide free access
to your accounts if your card is lost or stolen.
- Use caution when disclosing your account
numbers, social security numbers, etc. to other persons. If
someone calls you, explains the call is on behalf of the credit
union and asks for your account number you should beware.
Official credit union staff will have access to your information
and will not need to ask for it.
- Keep your information with us current. It is
important that we have current information on how to reach you.
If we detect potentially fraudulent or unauthorized activity or
use of an account, we will attempt to contact you immediately.
If your address or phone number changes, please let us know as
soon as possible.
Thank you for visiting the GRAFCU web site and
Information Collected and Stored Automatically
For site security purposes and to ensure that this
service remains available to all users, GRAFCU employs software
programs to monitor network traffic to identify unauthorized
attempts to upload or change information, or otherwise cause damage.
For site management, information is collected for
statistical purposes. Computer software programs are used to create
summary statistics, which are used for such purposes as assessing
what information is of most and least interest, determining
technical design specifications, and identifying system performance
or problem areas. No personal information, such as your name or
address, is collected or used for this analysis. We collect no
information which would identify you personally.
Information Collected from E-mails and Web
When you send us personally identifying
information, for example, in an electronic mail message containing a
question or comment or by filling out a form that E-mails us this
information, we use this information to fulfill or respond to your
requests. We may store these requests to provide us with information
for future improvements.
Green River Area Federal Credit Union will use SSL
(Secure Socket Layer) technology, which is the industry standard
protocol for secure, web-based communications. This technology
creates a secure communication channel through authentication and
encryption of data. These layers of privacy protection ensure that
information cannot be viewed if it is intercepted by unauthorized