Privacy

Peabody Municipal Federal Credit Union On-line Privacy

We value the trust that you place in us and in this online service. We know that our members expect privacy and confidentiality in all dealings with the credit union, and we pledge that we will take the steps necessary to protect the privacy of information shared with us. No action can be taken involving your data without your prior consent.

Do we disclose to any affiliated or non-affiliated third parties your non-public personal information?

We may disclose the following kinds of nonpublic personal information about you to affiliated or non-affiliated third parties such as financial service providers, ATM networks, and payment processors:

	1.	Information we receive from you on application forms such as your name and account numbers.
	2.	Information about your transactions with us or others such as account balance, payment history, parties to transactions, and usage of our system.

We will not reveal specific information about member accounts or other personally identifiable data to affiliated or unaffiliated third parties except as follows:

	1.	when the information is required to complete a transaction that you initiate;

	2.	when you request it;
	3.
		when disclosure is required by law (e.g. subpoena, investigation of fraud, etc.); or
	4.	when you have been informed about the possibility of disclosure for marketing or similar purposes and you are given the opportunity to decline or opt out.

Business Relationships with Third Parties
We agree that we will not share information with third parties who do not adhere to similar privacy principles and practices as ours.

Children's Online Privacy
The law requires parental consent to collect or use information from a child under 13. If you are a child under 13, please show this to your parents and do not use the online services of this institution without verifiable parental consent pursuant to the Children's Online Privacy Protection Act.

What is our policy relating to former members?
If you decide to close your account(s) or become an inactive member, we will adhere to the privacy policies and practices described in this notice.

Information Security and Accuracy
We restrict access to nonpublic personal information about you to those employees who need to know the information to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal requirements to guard your nonpublic personal information. Procedures exist to ensure that member financial information is accurate, current and complete. Our staff responds to requests to correct inaccurate information in a timely manner.

E-commerce Security
Visitors to our web site will remain anonymous. We do not collect personal identifying information about visitors to our site. Our servers collect standard non-identifying information about visitors to the site, such as date and time visited, IP address, city, state and country. This information is only used to compile standard statistics on site usage.

E-mail
If the member has provided identification (such as name and address) via e-mail, the information will only be used to communicate with them to handle their request. It is not sold or transferred to other parties.

Web Site Links
Our web site contains links to other business sites. We are not responsible for the privacy practices or content of such web sites. The links are provided to assist our members with financial and membership related tasks and events. Please contact the credit union immediately if you find a linked site contains questionable content or practices.