Please click here to read our Current Privacy Policy ( Adobe Acrobat file)

Credit Union is owned by its members and run by a Board of Directors elected by the membership.  You can be confident that your financial privacy is a top priority of this credit union.

Information We Collect
We collect nonpublic personal information from many sources, including member applications and other applications for products and services, from those who do business with us or with our vendors, and from consumer reporting agencies.  Credit Union will collect only the personal information that is necessary to conduct our business.

Credit Union does not use "cookies".  ( A cookie is a file placed on your hard drive by a Web site that allows it to monitor your visit, usually without your knowledge.)  You can set your browser to warn you when placement of a cookie is requested and decide whether or not to accept it.

Information We Disclose
We do not disclose or sell information to non-affiliated businesses or third parties desiring access to our member information. We may disclose information we collect about you under circumstances as permitted or required by law.  These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

We are committed to provide you with competitive products and services to meet your financial needs, which necessitates that we share information about you with our affiliates, to complete your transactions and to provide you with certain financial opportunities.  We have also entered into agreements with other companies that provide either services to us or additional financial products for you to consider.  Under these agreements, we may disclose information we collect to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements.  To protect your privacy, we require these companies to agree to maintain strong confidentiality protections and we prohibit their use of this information other than to carry out the purposes for which it is disclosed.

If you terminate your membership with Credit Union, we will not share information we have collected about you, except as permitted or required by law.

Step We Take To Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data.  Our employees, members of the Board of Directors and Committee Members shall maintain confidentiality and member privacy.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations and industry practices to safeguard your nonpublic personal nformation.

Linking to Other Web Sites
Credit Union is not responsible for the content of any third party Web site or the privacy practices of such third parties.  In addition, a link from our Web site to another Web site does not indicated that Credit Union endorses the services or policies of such third party Web site.  You should always investigate  the information practices of all Web sites that you access and carefully examine the privacy policies, if any, of the Web sites appearing on or linking to or from our Web site.  Information collected from the linked Web sites will be subject to the information practices of those Web sites.

Protecting Children's Privacy Online

The Children's Online Privacy Protection Act (COPPA) was passed by Congress in October 1998, with a requirement that the Federal Trade Commission (FTC) issue and enforce rules concerning children's online privacy. The primary goal of the Act and the Rule is to place parents in control over what information is collected from their children online. The Rule was designed to be strong, yet flexible, to protect children while recognizing the dynamic nature of the Internet.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Ypsilanti Area Federal Credit Union. This is our privacy notice for our members. When we use the words “you” and “your” we mean the following types of members:

• Our consumer members who have a continuing
relationship by purchasing or holding financial
products or services such as a(n):
• Share account
• Loan account
• Credit card account
• Automobile lease we service
• Self-directed Individual Retirement Account

We will tell you the sources of the information we collect about you. We will tell you what measures we
take to secure that information. We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

We first define some terms. Nonpublic personal information means information about you that we collect in
connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control. A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party.” Opt out means a choice you can make to prevent certain sharing of information. We will explain how
you can exercise this choice.

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with other parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this
information.

YOUR INFORMATION AND OTHER PARTIES

We may disclose information to other parties. Here are the kinds of information we disclose to these other
parties:

Information you give us on an application or other forms, such as:

• Name
• Address

You may opt out of the disclosure of the information listed above.
Types of Other Parties
We may disclose information about you to the following types of other parties:
• Financial service providers, such as:

• Insurance agents

• Businesses offering nonfinancial products or services, such as:

• Direct marketers

We may also disclose information about you to other parties as permitted by law.
Reasons For Disclosing

We may disclose information about you to other parties to provide you with information about additional products and services.

Limitations on Disclosure

Here are the limitations we impose on the use of information disclosed to other parties:

• We only allow direct mail solicitations.
• We do not allow telephone solicitations.

Future Disclosure To Other Parties

We also reserve the right to disclose information about you in the future with the following types of parties:

• Financial service providers, such as:
• Securities broker-dealers
• Businesses offering nonfinancial products or services, such as:
• Retailers

INFORMATION ABOUT FORMER MEMBERS

We do not disclose information about former members, except as permitted by law.

AUTHORIZED SHARING - OUTSIDE MARKETING SERVICES

We may disclose the following information to companies that perform marketing services on our
behalf:

• Information you give us on an application or other forms, such as:
• Name
• Address

We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose information for outside marketing purposes:

•Service providers that perform marketing services
for us, such as:
• Direct sales companies

Reasons For Disclosing

We may disclose information about you to companies that perform marketing services on our behalf to
provide you with information about additional products and services.

Limitations on Disclosure

Here are the limitations we impose on the use of information disclosed to companies that perform
marketing services on our behalf:

• We only allow direct mail solicitations.
• We do not allow telephone solicitations.

When visiting this website, information about your browser type, operating system, IP address, and the domain from which you came are collected. Except for what you submit to us, we do not collect any personally identifiable information. any personally identifiable information that you give us will only be used to respond to you and will not be retained. Any information that we do collect is only used in the aggregate to determine whether improvement can be made in our service. the information is not permanently stored.

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION

Other Parties. If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your right to “opt out.”

Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.

If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party’s information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.

If you previously sent us an opt out, then we will continue to apply your instruction to the information you asked us not to share. You do not need to return another opt out form.

If you wish to opt out of the disclosure of your information, you may do so by checking the appropriate box on the Opt Out Notice that you received with this notice and returning it to us at this address:

Ypsilanti Area Federal Credit Union
424 South Mansfield
Ypsilanti, Michigan 48197