Auto Body Credit Union: Disclosures

Disclosures

Auto Body Credit Union's Website Privacy Statement

Thank you for visiting the Auto Body Credit Union website and reviewing our website privacy statement. (This is not to be confused with our Privacy Policy or Disclosure for the Credit Union.)

Information Collected and Stored Automatically -

For website security purposes and to ensure that this service remains available to all users, Auto Body Credit Union employs software programs to monitor network traffic to prevent unauthorized attempts to upload or change information, or otherwise cause damage.

For website management, information is collected for statistical purposes. Computer software programs are used to create summary statistics, which are used for such purposes as assessing what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas. No personal information, such as your name or address, is collected or used for this analysis. We collect no information which would identify you personally.

We automatically collect and store only the following information about your visit -

The date and time you access our site. The pages you visit and the result of the request, such as an image or query, other status codes and values resulting from the Web server responding to the request received: HTP status code, Windows NT code, number of bytes sent, number of bytes received, duration (in seconds) to fulfill the request, server port number addressed, and protocol version.

Auto Body Credit Union does not use 'cookies'. (A 'cookie' is a file placed on your hard drive by a website that allows it to monitor your visit, usually without your knowledge.) You can set your browser to warn you when placement of a cookie is requested and decide whether or not to accept it.

Information Collected from E-mails and Web Forms -

When you send us personally identifying information, for example, in an electronic mail message containing a question or comment or by filling out a form that e-mails us this information, we use this information to fulfill or respond to your requests. We may store these requests to provide us with information for future improvements to our website. We may forward your e-mail to other departments with the Credit Union to employees who are better able to respond to your request. Auto Body Credit Union may also use this information to help us do our work. We do not create individual profiles with the information you provide. Auto Body Credit Union does not give, sell or transfer personal information to third parties, unless required by law.

If you have any other questions regarding this policy, please email Members Services.

PRIVACY NOTICE AND DISCLOSURE

Auto Body Credit Union, your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and helping you to reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union’s privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

If you have questions after reading this notice, please contact the credit union at:

(517) 323-3644 or 1-800-323-0048

or write to:

Auto Body Credit Union
Member Services
111 S. Waverly Rd.
Lansing, MI 48917

Information We Collect About You

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications and other forms
Information about your transactions with us
Information we receive from a consumer reporting agency
Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us

We may disclose nonpublic personal information about you to the following types of third parties:

Financial service providers, such as insurance companies, mortgage service companies and securities broker-dealers.

Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers, plastic card processors, direct marketers, and government agencies.

Disclosure of Information to Parties Providing Us Service

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our member’s privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members

If you terminate your membership with Auto Body Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

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, or procedural safeguards that comply with federal regulation to guard your nonpublic personal information.

What Members Can Do to Help

Auto Body Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
Let us know if you have questions. Please do not hesitate to call us – we are here to serve you!