Minnequa Works Credit Union's single purpose is to provide you with financial products and services to meet your financial goals. We intend to offer you diverse financial services including competitive products made available by our strategic relationships with other financial institutions. We believe these are the reasons you do business with Minnequa Works Credit Union. We also believe you do your financial business with us because we have a strong history of protecting our members' privacy. 

We are required by law to give you this privacy notice. It describes our policies and practices that protect your privacy and enable us to share information to make available competitive financial products and services. If you have any questions after reading it, please contact us at 1-800-824-5078 or 1-719-564-8793. 

What follows is a description of the information we collect and disclose, including the parties who receive nonpublic information from us. This notice also explains your right to inform us if you do not want us to disclose certain information about you to other parties.

Information We Collect About You 

We collect information about you from the following sources:
· Information we receive from you on applications and other forms; 
· Information about your transactions with us or others including those companies that work closely with us to provide you with diverse financial products and services; 
· Information we receive from a credit reporting agency; 
· Information obtained when verifying the information you provide on an application or other form(s) (this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions); and
· Information we may obtain from consumer purchasing and census data providers to develop competitive marketing programs for our members.

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 companies, such as insurance companies, mortgage service companies and securities broker-dealers;
· Non-financial companies, such as, consumer reporting agencies, and retailers

Disclosure of Information to Parties that Provide Services to Us 

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

Disclosure of Information About Former Members 

If you decide to terminate your membership with Minnequa Works 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, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members can do to help

Minnequa Works Credit Union is committed to protecting the privacy of its members and customers. You can help by following these simple guidelines:

· Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit 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, explains 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 current. 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. If your address or phone number changes, please let us know.
· Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!