Cross Valley FCU recognizes the importance of maintaining a presence on the World Wide Web for informational and e-commerce purposes in both attracting new members and retaining existing members. For the purpose of this statement, e-commerce is defined as the ability of members to access personal account information and general credit union information, to initiate transactions on your credit union accounts, and to apply for additional credit union products and services online, and to access credit union approved vendor sites to conduct credit union related business. Our privacy policy is the same whether you are online or not.

Categories of information that we may collect We collect nonpublic personal information about you from the following sources: Information we receive from you on applications or other forms, such as: Your name, address, social security number, assets and income. Information about your transactions with us, our affiliates or others, such as: Your account balance, payment history, parties to transactions and credit card usage. Information we receive from a consumer reporting agency, such as: Your credit worthiness and credit history.

We may disclose all of the information we collect, as described above. We may disclose nonpublic personal information about you to the following type of third party:Financial service provider – Liberty Mutual Insurance Company. We allow our members to be contacted by mail to take advantage of the very competitive rates offered by Liberty Mutual Insurance Company. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted or required by law. If you prefer that we not disclose nonpublic personal information about you to nonaffiliated thid parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (others than disclosures permitted by law).

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.If you want to opt out of disclosures to nonaffiliated third parties, you may complete and return the form.

Cross Valley FCU does not knowingly collect, nor is our Web Site designed or directed, to use personal information from children under the age of 13 without containing verifiable consent from their parents. We do offer a Youth section on our Web Site that children can access links that we deem appropriate. Should a child whom we know to be under the age of 13 send personal information to us, we will only use that information to respond directly to that child, seek parental consent or provide parental notice. We do not knowingly market to children online without expressing parental consent or notification.