A Private Note to Our Members:
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The Niagara Regional Federal Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our Credit Union.

As a member of the Niagara Regional Federal Credit Union, you also have a responsibility to safeguard your financial information.

To ensure that you can rely upon the quality of products and services we make available, your Credit Union stands behind the following privacy policy:

• Your Credit Union will collect only the personal information that is necessary to conduct our business. That means just what is necessary to provide competitive financial products and services -- no more.

• Your Credit Union will protect your personal information. Your Credit Union will maintain strong security controls to ensure that member information in our files and computers is protected. Where appropriate, we will use security-coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.

• You will always have access to your information. As a member of the Niagara Regional Federal Credit Union, you will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate.
  
  
• Your Credit Union will only share information when absolutely necessary. We will only share information to administer the products and services we provide, when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services
  
  
• Your Credit Union will partner only with businesses that follow strict confidentiality requirements. The business we select will offer products designed to enhance our members' economic well being. Under no circumstances will we authorize these
  firms to charge your account without your express consent, and we will not sell member information to telemarketing firms.
  

• Example of our partners: Clarke American to print your personal checks. CUNA mutual to provide your credit life or disability insurances or to offer you their term life products, the school district or your employer to provide payroll deductions, or Credit Union Center to provide home mortgages, and Credit Bureaus to obtain credit reference checks when you are applying for a loan.
  
  
• Your Credit Union offers you a choice in how your information is used. Any member of our Credit Union may elect to keep their information from being shared with our business partners. We will take all reasonable steps to make sure your requests are followed. At least once a year, we will send a privacy notice to all members.
  

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