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PRIVACY POLICY
At
Miramar Federal Credit Union, keeping the privacy
and security of your personal information is
important to us. Our Privacy Policy is provided to
help you understand how we protect your financial
privacy, just as we protect your financial assets.
This policy is designed to provide you with the
information that you need to make informed choices
about the management of your personal financial
information.
Information Covered by this Policy
Our
Policy applies to all personally identifiable
information (personal information) about you that
is obtained by Miramar Federal Credit Union in
connection with providing you a consumer financial
product or service for personal, family or
household purposes. Our Policy will continue to
cover information we may collect about you during
the course of our relationship. Even if you are no
longer our member, we will continue to treat
privacy of your personal information in the same
way as if you were still a member.
How We Collect Personal Information
We
rely on many sources of information to understand
and meet your needs. We collect personal
information about you from:
Your applications
for accounts and services with us.
Your
visits to our website when your browser interacts
with us.
Your transactions with us, our
affiliates or with non-affiliated third parties.
Consumer reporting agencies.
Other sources in connection with providing you a
financial product or service.
How
We Use Information We Collect
The
information we collect about you assists us in
providing you with superior service. We use the
information we collect to:
Provide you with products and services you
requested.
Service your accounts.
Offer you additional products and services, from
us or from others that may be of interest to you.
Comply with reporting and other legal
requirements.
Otherwise conduct business.
Information Confidentiality and Security
Information security is one of our highest
priorities. The priority is emphasized by our
internal employee Confidentiality Policy, this
Privacy Policy, and the contracts and agreements
we sign with external suppliers and partners.
Employees who violate our policies and procedures
regarding privacy are subject to disciplinary
action. Our partners and suppliers are
contractually obligated to uphold our procedures
regarding privacy under the terms of our legal
contracts with them. We safeguard information by
regularly assessing security standards and
procedures to protect against unauthorized access
to personal information. We train our employees on
their role in protecting your personal information
and we perform audits to ensure compliance with
our Privacy Policy. We limit access to personal
information about you to those employees who need
to know that information to provide products and
services to you, service your accounts and
administer business. We maintain physical,
electronic and procedural safeguards that comply
with federal regulations to protect your personal
information.
Information Sharing within the Miramar Federal
Credit Union Family
Miramar Federal Credit Union takes an integrated
approach to financial services. We want to provide
and make recommendations about a variety of
financial services to you. For this reason, we may
share any of the personal information that we
collect about you among companies within the
Miramar Federal Credit Union family as permitted
by law and to the extent permitted under the Fair
Credit Reporting Act.
Information Sharing
outside the Miramar Federal Credit Union Family
We do
not disclose any personal information about our
members and former members to non-affiliated,
third party companies outside the Miramar Federal
Credit Union family except as required or
permitted by law. For example, we may share
information with regulatory authorities and law
enforcement officials; provide information to
protect against fraud; report account activity to
credit bureaus; and give account information to
check and statement printers and other service
providers who work for us. Miramar Federal Credit
Union may share transaction experience and history
with non-affiliated, third party companies to the
extent permitted under the Fair Credit Reporting
Act and this Policy.
Except as set out
above we do not, nor will we ever, sell, share,
trade or rent names or other information about you
to third parties.
How You Can Help
If you
ever suspect your personal information has been
accessed improperly or the information is
inaccurate, incomplete, or outdated, please inform
us as soon as possible by following any of the
notification options identified below under
“Contacting Miramar Federal Credit Union.”
Notices
Miramar Federal Credit Union has developed this
Privacy Policy to inform you of the steps we take
to protect your information and your rights
regarding the use of your information. This policy
is made available to all new members at the time
of opening an account at Miramar Federal Credit
Union. If an account is opened by mail, telephone,
or any other situation where a Privacy Policy
cannot be delivered immediately, the Privacy
Policy will be mailed within three (3) business
days. Miramar Federal Credit Union will continue
to send our Privacy Policy to you annually, or
when changes are made to the policy, by separate
mailing or by including it with your account
statement. We may send you the Privacy Policy by
electronic mail provided you have given us written
approval to do so, or you can print a copy at your
convenience.
Print
Opting Out
In
order to provide you with information and access
to competitive products and services, we may share
information we have gathered about you with our
affiliate, Flightdeck Financial Services, LLC, or
any future affiliates. This affiliate is a wholly
owned subsidiary of Miramar Federal Credit Union.
In compliance with the Fair Credit Reporting Act,
Miramar Federal Credit Union does not share any
information regarding your credit worthiness with
our affiliate.
In
addition, we provide information we have gathered
about you to companies that perform marketing
services for financial products and services on
our behalf.
You
have the right to restrict the sharing of your
personal and financial information with our
affiliate and all future affiliates and/or the
sharing of your personal and financial information
with other companies we do business with to
provide you with financial products and services.
To
exercise your rights and to restrict the sharing
of your personal and financial information request
the form “Important Privacy Choices for Consumers”
by contacting us as detailed below. It will take
no more than 30 days to implement your request
from the date we receive the completed and signed
form. If there is more than one owner of an
account, an election of one owner to opt out will
be treated as an election by all owners to opt
out.
Contacting Miramar Federal Credit Union
Questions regarding this Privacy Policy should be
directed to Miramar Federal Credit Union by
calling 800-640-1228, by e-mail to
mail@miramarfcu.com,
or by mailing written requests to:
Miramar
Federal Credit Union
P.O. Box 261370
San
Diego, CA 92196-1370
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