We want you
to be aware of our policies with respect to the
disclosure of non public personal information about you
that we have collected from you or others in connection
with the financial products and services that we provide
to you. We recognize that the confidentiality of this
information is extremely important to you and we hope
that the information in this notice will assure you that
we keep this information confidential as described
We Collect About You
We collect nonpublic personal information about you from
the following sources:
● Information we receive from you on applications or other forms;
● Information about your transactions with us, our affiliates, or
● Information we receive from a consumer reporting agency.
We may also disclose all the information we collect, as
described previously and as permitted by law, to
companies that perform marketing or other services on
our behalf or to other financial institutions with whom
we have joint marketing agreements. 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 do not allow these
companies to sell to other third parties the member
information we provide.
We may also disclose nonpublic personal information
about you to nonaffiliated third parties as permitted by
How We Protect
We restrict access to nonpublic personal information
about you to those employees who need to know that
information to provide products or services to you. We
maintain physical, electronic, and procedural safeguards
that comply with federal regulations to guard your
nonpublic personal information.
Information About Former Members
If you terminate your membership with Luso-American
Credit Union, we will not share information we have
collected about you, except as may be permitted or
required by law.
We are available to answer any questions which you may
have concerning our policies with respect to your non
public personal information. You may call our Member
Service Representative at (978) 531-5767.
For each visitor to the Luso-American Credit Union's web
site, his or her identity will remain anonymous. We do
not collect personal identifying information about
visitors to our site.
Our servers collect standard non-identifying information
about visits to the site, such as date and time visited,
IP address, city, state, and country. This information
is used to compile standard statistics on site use.
If you have provided personal identifying information
via e-mail (such as name and address), the information
will only be used to communicate with you to handle your
request. It is not sold or transferred to other parties.
Luso-American Credit Union advises its members to never
share their online account password or ATM Pin with
anyone. Members should also change their password
regularly and remember to sign off of our Web site and
We do not knowingly solicit data from children, and we
do not knowingly market to children. We recognize that
protecting children's identities and privacy online is
important and the responsibility to do so rests with
both the online industry and parents.
E-mail: Luso-American Credit Union may use feedback
information from members and non-members to respond to
inquiries, comments or suggestions. This information is
never sold, given, or disclosed to third parties.
Luso-American Credit Union is committed to protecting
The Luso-American Credit Union has an obligation to its
members to ensure that their account information is not
improperly disclosed. To avoid this risk the Luso-American
Credit Union has developed the following policies and
1. Employee training to ensure that all employees are
aware of their responsibility to safeguard members
financial information and also to educate employees
about the tactics used by information brokers to
fraudulently obtain members confidential information.
2. The Luso-American Credit Union prohibits the release
of information over the telephone, unless the proper
authorization code is provided. If this code has not
been set up by the member, the caller ID system will be
used. If the number differs from that in the customer's
account records, the employee should not disclose the
requested account information without taking further
steps to verify that the customer made the request. All
customer information will be held in a secure location.
All illicit attempts to obtain members information will
be reported to the proper authorities.