Our Privacy Pledge. At SELCO Community Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by SELCO Community Credit Union and our affiliates, The SELCO Group, Inc., SELCO Financial Solutions, SELCO Mortgage Company, LLC, Frontier Investment Co., Frontier Home Mortgage Company, and Rainland Mortgage Company. This notice explains what types of member information we collect and under what circumstances we may share it. In this notice, the term “member” includes any client of a SELCO affiliate, even if the client is not a member of SELCO Community Credit Union.

Member Information We Collect. We collect only relevant information about members that is needed to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal and financial information about you (member information) which is “nonpublic.” The information we collect varies depending on the accounts and services you request and use. We collect information about you from the following sources:

Application Information. We retain personal information we receive from you on any application you provide for membership, deposit account, EFT services, loans, financial planning, securities brokerage, insurance, or other services we provide. This information includes: name, address, social security number, birth date, phone number, employment and financial status, and credit history.

Your Transactions. Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, or transactions through online banking, over the phone, or at a branch, we retain the transaction information, including: your account number, the date, amount, location of the transaction, and other pertinent information.

Credit Reports and Marketing Information. When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. We retain the personal and credit history information about you and we may use it to evaluate future account service requests. From time to time, we also obtain demographic household information about members and potential members from marketing information firms.

Online. We obtain information online when you visit our websites. This includes retaining information you provide us on any online application, Online Banking transaction or information you send to us by e-mail.

Member Information We Share. In order to provide financial services to you, we share certain information about you with our affiliates and third-party service providers. However, we only share information to the extent necessary to service your account or offer new services to you. If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience. Information we may have about former members is generally only shared or disclosed if necessary to enforce or administer an account or as required by law.

Sharing Information with Credit Union Affiliates. Our wholly-owned affiliates, The SELCO Group, Inc., SELCO Financial Solutions, SELCO Mortgage Company, LLC, Frontier Investment Company, Frontier Home Mortgage and Rainland Mortgage Company provide financial services, including mortgages, financial planning, securities brokerage and insurance products and services. We may share personal information (such as name, address, account number) and account information (such as type of accounts, account balances, transaction history) with our affiliates (and they with us) so they can serve you more efficiently: Our affiliates maintain the same privacy standards as the Credit Union.

Sharing Information with Third-Party Service Providers. In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share information with our service providers, including: data processing companies; check, ATM and other payment processing companies; payment networks; loan service providers; insurance companies; collection agencies; credit reporting agencies; financial planners; securities brokerage and insurance companies; and financial service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed in writing to keep the member information we provide to them confidential. We share the following categories of information to third-party service providers depending on the specific services provided:

• Personal information (name, address, and account number)
• Account information (type of accounts, account balances, and transaction history)
• Transaction information (dates, amounts, locations, and type of transaction)

We do not sell member information nor share your account numbers with independent third-party marketers offering their products and services. While we may assist in offering financial products and services of our affiliates or other financial service providers, we control the member information used to make such offers. Sharing Information as Legally Required or Permitted. We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.

Our Confidentiality and Security Safeguards. We maintain strict policies and security controls to assure that member information in our computer systems and files is protected. Our employees and agents are permitted access to member information that they may need to perform their jobs and to provide service to you. Our employees and agents have access to such member information as necessary to conduct a transaction or respond to your inquiries. All employees and agents are trained to respect member privacy. No one except our employees and agents has regular access to the Credit Union computer system and records storage. The Credit Union has established internal security controls, including physical, electronic and procedural safeguards to protect the information you provide us and the information we collect about you. We will continue to review our internal security controls to safeguard your member information as we employ new technology in the future.

Online Privacy Protection. At our websites, you may apply for accounts and services and you may communicate with us via e-mail. To protect the information you provide us online, we use multiple levels of security. The application information we accept online and our home banking service relies on industry standard “Secure Sockets Layer” (SSL) encryption to secure your transaction information and communication. Generally, our e-mails are not secure. However, if we ask you to e-mail us information other than your name, address, e-mail address and phone number, it will be obtained using a secure (SSL encryption) e-mail form. When you visit our website, you can access site information, without revealing your personal identity. However, in order to help us identify you for future site visits, we use “cookies” to track your visit. A “cookie” is a piece of information that our web server stores on your computer hard drive and retrieves later. The cookie will not request, require nor collect personal identity information and you remain anonymous. Your member information is not accessed by or stored within a cookie in any way. A cookie can be used to tell when your computer has contacted a web site;
we use this information for statistic purposes such as delivery of advertisements, so we can customize delivery of content to better match your interests and preferences without compromising privacy. For example, cookies are used to ensure that you don’t see the same ad too many times in a single session. The main purpose of the cookie used by SELCO Community Credit Union is to track how you reached the website. With most Internet browsers you can erase cookies from your computer hard drive, block all cookies, or receive a warning before a cookie is stored. Refer to your browser instructions or help screen to learn more about these functions. We do not require you to have your cookies turned on when visiting our main web site area; however, you must have cookies turned on to enter Online Banking, our online banking service. Cookies are a requirement for Online Banking to function properly. For site management, information is collected for statistical purposes. SELCO Community Credit Union’s computer system uses software programs to create summary statistics, which are used for such purposes as assessing what information is of most and least interest to members, determining technical design specifications, and identifying system performance or problem areas.

Protecting Children ’s Information Privacy. Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.

Privacy Policy Inquiries. If you have any questions about our privacy practices, contact us by calling (541) 686-8000 Lane or (541) 312-1800 Deschutes, sending us an e-mail at info@selco.org, or writing to us at SELCO Community Credit Union, P.O. Box 7487, Eugene, OR 97401.