MERHO Federal Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union.
As a member of MERHO FCU, you also have a responsibility to safeguard your financial information. This means protecting your account number, credit card number, pin number and social security number from unknown persons and businesses. This also means you are required to keep your address and account information current with the credit union.
To ensure that you can rely upon the quality of products and services we make available, our credit union stands behind the following privacy policy:
Our credit union will collect only the personal information that is necessary to conduct our business. This means just what is necessary to provide competitive financial products and services - - no more.
Our credit union will protect your personal information. We 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.
You will always have access to your information. As a member of MERHO FCU, you will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate.
Our credit union will only share information when absolutely necessary. We will only share information to administer the products and services we provide, when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services.
Our credit union will partner 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.
Your nonpublic personal information may be shared with the following 3rd party financial service providers
- Insurance Companies
- Lending Institutions
Your nonpublic personal information may be shared with the following 3rd party non-financial companies:
- Consumer reporting agencies (Fair Credit Reporting Act)
- Data processors
- Check/share draft printers
- Plastic card processors (credit, debit, or ATM)
- Government agencies
- Retailers Direct Marketers
- Non-profit organizations
- Airlines
Your Ability To Opt-Out From Disclosure of Your Personal Information
If you prefer that we do not disclose nonpublic information about your to non-affiliated third parties, you may opt out of those disclosures (other than those permitted by law). Non-member joint account holders, co-borrowers and guarantors, and authorized users, may exercise this right to opt out. Please note that "opting out" may result in MERHO Federal Credit Union not being able to service your account or provide certain services which require interaction on your information from one of our providers.
