External Websites are offered as a service, and WCCU does not control content, nor endorse products that are offered on third pardy sites. If a member enters into a transaction on a liked third party site, WCCU does not represent either party.
WCCU's Privacy Policy
Westby Co-op Credit Union is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We recognize the importance of maintaining the confidentiality of your personal financial information.
We want to protect the personal and financial information that you have entrusted to us. Therefore, we have developed the following privacy policy and approach that respects and addresses your needs.
We believe that all personal and financial information specific to you that you provide to the Credit Union through any channel constitutes personal information. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal information. If you have any questions, please contact the compliance officer at 608.634.3118.
Information We Collect
The Credit Union collects only relevant information about you that is needed to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal and financial information about you which is non-public. The information we collect varies depending on the accounts and services you request and use. We collect information about you from the following sources.
Information we receive from you on any application you provide to us for membership, deposit accounts, EFT services, loans, insurance, bill payer, online account access, or for other Credit Union services. This information includes: name, address, e-mail address, social security number, birth date, phone number, driver's license number, employment and financial status, credit history, etc.
Information we receive from you when you make a transaction on one of your accounts, including ATM or card transactions, loan advances, bill payer and online financial services transactions, or telephone transactions. This information includes: your account number, the date, amount, location of transaction, and other pertinent information. Our service providers may also provide us with reports on your insurance transactions.
Information we receive from a consumer reporting agency. We retain the personal and credit history information and may use it to evaluate your eligibility for additional services.
Information you provide online when you visit our website, www.wccucreditunion.coop. This includes retaining information you provide us on any online applications, bill payer and online financial services transactions, or information you send to us by e-mail.
Information We Share
In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share information with our service providers and data processing companies, such as check processors, ATM and other payments processing companies, statement processors, insurance companies, collection agencies, and credit reporting agencies. These service providers act on our behalf and have agreed in writing to keep the member information we provide to them confidential. We share the following categories of information to our service providers, depending on the specific services provided:
- Personal Information (name, address and account number)
- Account Information (type of accounts, account balances, and transaction history)
- Transaction Information (dates, amounts, locations, and type of transaction)
The credit union does not and will not sell or provide personal information to third parties for independent use or to telemarketing firms.
We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that you credit bureau reports are accurate.
We restrict access to non-public personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy.
Privacy on the Internet
Westby Co-op Credit Union uses a cryptographic (digital certificate) key to secure account information sent between our server and your browser. Whenever you use online account access or bill payer, our credit union's server responds to your transmission by sending this key that is authenticated by your browser. This communication key encrypts the data sent by you and Westby Co-op Credit Union decrypts it when we receive it. In addition, Westby Co-op Credit Union uses firewalls that are designed to protect your accounts form unauthorized access from outside the credit union.
Protecting your Children's Information Privacy
The online financial services offered through Westby Co-op Credit Union's website are not designed for or directed toward children under the age of 13. We do not knowingly solicit or collect data from children, and we do not knowingly market to children online without express parental consent or notification. If we receive online information from any child, we will only use the information to respond directly to a child's request We recognize that protecting children's identities and online privacy is important and that this responsibility rests with us and with parents. If you believe your child has provided personally identifiable information to us, please contact us so we can allow you the opportunity to review and delete such information.
If you have any questions, please contact the compliance officer at 608.634.3118.
