Its members and run by a board of directors you elect own San Juan Mountains Credit Union. You can be confident that your financial privacy is a top priority of this credit union and credit union service organization. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at (970) 249-5319 or 1102 South Cascade Avenue, Montrose, Colorado 81401.
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either service to us or additional financial products or services for your consideration.
INFORMATION WE COLLECT & DISCLOSE ABOUT YOU:
We collect the following nonpublic personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
- From member and loan applications and other forms, we obtain information such as name, address social security number and income.
- From your transactions with us or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history, parties to transactions and credit card usage.
- From consumer reporting agencies, we obtain information such as your creditworthiness and credit history.
- From verifications of information you provide on applications and other forms, we obtain information form current or past employers, other financial institutions and other sources listed on the application.
We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically included information to process transactions on your behalf, conduct the operations of our credit union. And follow your instructions as you authorize, or protect the security of our financial needs.
If you terminate your membership with San Juan Mountains Credit Union, we will not share information we have collected about you, expect as permitted by law.
HOW WE PROTECT YOUR INFORMATION:
We restrict access to nonpublic personal information about you to those employees who have specific business purpose utilizing your 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 information.
How to Opt-Out or Stop Certain Disclosures About You
If you perfer that we do not disclose non-public personal information about you to non-affiliated third parties, you may opt-out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). This "Opt-Out" will not apply to disclosures that are permitted by law and will not apply to disclosures to companies that perform marketing services on our behalf or to other financial service perviders with whom we have joint marketing agreements. You may opt-out of these disclosures or revoke your opt-out election any time. If you wish to opt-out of disclosures to non-affiliated third parties, you may select the following method to exercise this right:
*San Juan Mountains Credit Union is not responsible for any contents of the links that may be connected to their web site.
Important information about procedures for opening a new account.
The USA PATRIOT Act requires credit unions to take extra security precautions to help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. These new procedures are designed to prevent crimes, such as identity theft and account fraud that terrorists commit to finance their operations against the U.S. and its citizens.
What this means for you: When an account is opened or changed, you will be asked for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying government issued documents. The definition of an account covers a broad range of regular financial transactions such as deposit, transaction, asset, or credit accounts or other extension of credit. The required verification may be inconvenient for some but a strong deterrent for terrorists and other criminals.
You can rest assured that we will only request the information required by the law and that we will use the information only for purposes of complying with the law. Your privacy is our top concern, and we will respect and protect it as always, consistent with the law's requirements.
Thanks for your understanding and help in this critical effort. The war on terrorism will be tough on many fronts, and this is one of them.
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