Legacy FCU Privacy Policy


We recognize the importance of our responsibility in protecting our members' private information. We want to protect the personal and financial information that you have entrusted to us. Therefore, we have adopted a privacy policy and approach that respects that trust, while addressing your needs. We believe that all personal and financial information specific to you that you provide to us through any channel constitutes personal information.


Protecting Your Children's Information Privacy

The online financial services offered through the credit union's website are not designed for or directed toward children under age 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 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. Please call (503) 413-7474.


Collection of Information

When you apply for a credit union account or service, we collect personal information in order to process your application. We may retain this information so that we can provide the products and services you request. When you open or use an account or service from the credit union, we retain personal information you provide in the context of using that product or service, including transaction information. After you sign up for our online services, our data system records certain online information, including the transactions you conduct online. This data enables us to process and confirm your transactions. When you send us e-mail, we will retain the content of the e-mail, your e-mail address, and our response in order to handle any follow up questions you may have. We also use it to measure how effectively we address your concerns. Our credit union will protect your personal information. Our 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


Cookies

Some parts of the credit union's web site may use a "cookie," which is a file placed on your computer hard drive that allows our web site server to log the pages you use in the site and to determine if you have visited the site before. The cookie captures no personal identification information. The server uses this information to provide certain features during your visit to the web site. You can set your browser to warn you when placement of a cookie is requested, and decide whether to accept it. By rejecting a cookie, some of the features available on the site may not function properly.


External Links

This site contains links to other sites. Legacy FCU is not responsible for the privacy practices or the content of such web sites.

Use and Sharing of Personal Information: The credit union will use personal information that is appropriate in the normal course of our business to provide the products and services you requested. We will also use this information to provide positive identification of you when you contact us. We will not disclose information to third parties, excluding credit union affiliates, concerning your account with us, except: (a) when such disclosure is necessary to complete the transactions; (b) to verify the existence and condition of your account for a third party (such as a credit bureau) as is permitted by law; (c) to comply with any court order or applicable laws or regulations; or (d) when you give us your written permission. The credit union does not and will not sell any personal information to third parties for independent use. In keeping with its mission, the credit union only shares information with the ultimate goal of bringing you greater convenience and more choices. Our credit union will partner only with businesses that follow strict confidentiality requirements. The businesses 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


How Members Can Protect Their Own Privacy

Legacy FCU advises its members to never share their online account password or ATM/VISA® debit PIN with anyone. Members should also change their password regularly and remember to sign off of our Web site and their computer. Remember that with HTML programming, information may continue to reside on the computer you are using even after you sign off. In a shared environment, remember to delete these files.


How Members Can Help Us Manage Information

Keeping member account information up to date and accurate is very important to LFCU. If a member ever discovers that account information is incomplete, inaccurate or not current, we strongly urge them to contact us so that we can remedy the situation.


FACTS WHAT DOES LEGACY FCU DO WITH YOUR PERSONAL INFORMATION?
WHY? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and account balances
- Checking account information and credit card or other debt
- Payment history and transaction history
When you are no longer our customer, we continue to share your information as described in this notice
HOW? All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons Legacy FCU chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Legacy FCU share? Can you limit this sharing?
For our everyday business purposes -
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus
Yes No
For our marketing purposes -
to offer our products and services to you
Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes -
information about your transactions and experiences
No We don't share
For our affiliates' everyday business purposes -
information about your creditworthiness
No We don't share
For our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share

QUESTIONS: Call (503) 413-7474

What We Do
How does Legacy FCU protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Legacy FCU collect my personal information? We collect your personal information, for example, when you:
- Open an account or deposit money
- Apply for a loan or use your credit or debit card
- Make a wire transfer
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only:
- Sharing for affiliates' everyday business purposes
- Information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Legacy FCU has no affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Nonaffiliates we share with can include insurance companies, governmentagencies, plastic card processors (credit/debit/ATM), financial statement publishers or printers, mailhouse, mortgage companies, mortgage service companies, consumer reporting agencies, data processors, and check/share draft printers
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Legacy FCU doesn't jointly market