Privacy Policy

Northern Lights Credit Union, your member-owned financial institution, is committed to providing you with products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting your privacy and the privacy of our members. Under federal and state law, we are required to give you this privacy notice. It describes our credit union’s our credit union’s privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.



INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications and other forms
  • Information about your transactions with us
  • Information we receive from a consumer reporting agency
  • Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers or from other institutions where you conduct financial transactions.

We may disclose all of the information we collect, as described above, as permitted by State and Federal Law.

PARTIES WHO RECEIVE INFORMATION FROM US
We may disclose nonpublic personal information about you to the following types of third parties:

Non-financial third parties, such as account verification services or mercantile agencies, when done in compliance with the rules of the State of Vermont.

A certified public accountant doing an audit, or any other person under our control helping to maintain our records.

Financial institutions that are insurance companies with whom we have joint marketing agreements and under rules of the State of Vermont.

To other nonaffiliated third parties as permitted by law.
 
PARTIES THAT PROVIDE SERVICES TO US
In order for us to conduct the business of the Credit Union, we may disclose all of the nonpublic personal information we collect, as described above, to companies that perform administrative or marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.  To the extent that we release information to third parties who perform services for us, the disclosures typically include information to process transactions on your behalf, conduct the operations of our Credit Union, and follow your instructions as you authorize, or protect the security of our financial records.

To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide.  We do not permit these companies to sell the information we provide to other third parties.

DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS
If you terminate your membership with your 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, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

WHAT MEMBERS CAN DO TO HELP
Your Credit Union is committed to protecting the privacy of its members.  Members can help by following these simple guidelines:

Protect your account numbers, plastic card numbers, PINs (personal identification numbers) and passwords as applicable.  Never keep your PIN with your 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 explaining 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 already and will not need to ask for it.

Keep you information with us current.  If your address or phone number changes, please let us know.  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.

TERMS AND USE

The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. The credit union's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, link to the Federal Trade Commission's website at http://www.onguardonline.gov/articles/0031-kids-privacy.
The NCUA published the final rule on COPPA at http://www.ncua.gov/Resources/Documents/IST/COPPA-FinalRule.pdf


IF YOU HAVE QUESTIONS
If you have any questions, please contact us at the main office at 800-856-0026 or write us at:

Northern Lights CU
1004 Memorial Dr.
St. Johnsbury, VT  05819