Information We Collect and Disclose About You

Franklin-Oil Region Credit Union collects nonpublic information about you from the following sources:

• Information we receive on member applications or other forms;
• Information about your transactions with us or others; and
• Information we receive from a consumer reporting agency

To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We share information with:

» Insurance Companies
» Credit Bureau Agencies
» Check Printers
» Data Processors
» IRA Processing Centers
» Collection Agencies
» Card Services
» Corporate Credit Unions
» Taxing Agencies
» Auditing Firms

We do not permit these companies to sell the member information we provide to other third parties.

In order to conduct business of the credit union, we may also disclose nonpublic personal information about you under other circumstances as permitted 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 Franklin-Oil Region Credit Union, we will not share information we have collected about you, except as permitted by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing 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 nonpublic personal information.

What You Can do to Help Protect Your Privacy

Franklin-Oil Region Credit Union is committed to protecting the privacy of its members. 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 debit or credit 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.