Privacy Policy
MemberSource Credit Union, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and to help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes 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 or our affiliates,
including Credit Union Acceptance Co. and Member Home Loan
• 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 law.
Parties Who Receive Information from Us
We may disclose nonpublic personal information about you to
the following types of third parties:
• Financial service providers, such as
insurance companies, mortgage service companies, and securities
broker-dealers.
• Non-financial companies, such as consumer
reporting agencies, data processors, check/share draft printers,
plastic card processors, and government agencies.
MemberSource Credit Union and its affiliates may also work closely to offer products and services to meet member needs. As a result, we may also share your nonpublic personal information with each other as permitted by law.
Disclosure of Information to Parties that
Provide Service to Us
In order for us to conduct the business of the credit union,
we may disclose all of the information we collect, as described
above, to other financial institutions with whom we have joint
marketing agreements, to other companies that perform marketing
services on our behalf, or to nonaffiliated third parties
for the purposes of processing and servicing transactions
that you request or authorize, so that we may provide members
competitive products and services.
We may also disclose nonpublic personal information 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.
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 MemberSource 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
Information we receive via online applications is secure and
requires industry standard Secure Socket Layer encrypted browsers.
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.
Protecting your privacy is an ongoing process and we will
continue to review the measures we take to safeguard your
personal information.
What Members Can Do to Help
MemberSource 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) or passwords. 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 and
will not need to ask for it.
• Keep your 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.
Links
This web site contains links to other sites. Please be aware
that MemberSource Credit Union is not responsible for the
privacy practices of such other sites. We encourage our users
to be aware when they leave our site and to read the privacy
statements of every web site that collects personally identifiable
information.
Privacy Related Questions
If you have any questions about this privacy notice, you can contact:
MemberSource Credit Union
Attn: Privacy
10100 Richmond Ave.
Houston, Texas 77042
