Energy Credit Union is owned by its members and is run by a board of directors you elect. You can be confident that financial privacy is a top priority of your credit union. This notice describes how we protect the privacy of your personal information, and gives you an opportunity to let us know if you do not want certain information about you disclosed to other businesses.

In the course of providing services, we collect information about you, personal information that is not publicly available. Energy Credit Union does not sell membership lists or your nonpublic personal information. We do, however, share some information about you with other companies in order to complete your transactions and to provide you with certain financial service opportunities. This notice describes your credit unions privacy policy. If you have any questions please contact the credit union at (781) 890-2222.

Information Energy Credit Union Collects About You

Energy Credit Union collects the following information about you from a variety of sources:

• From membership and loan applications and other forms you submit to us, we obtain name, address, social security number, age, assets, income and telephone number.
• From consumer reporting agencies, we obtain information on your creditworthiness and credit history. 

Information Energy Credit Union Discloses About You

We do not disclose any nonpublic personal information about our members and former members, except as permitted by law, such as to our data processor and for purposes of collecting loans.

Energy Credit Union does not share information with other businesses about former members, co-borrowers and guarantors, except as permitted by law.
 
 
We may disclose information about you as permitted or required by law, such as to our legal counsel, bonding company or law enforcement agencies. Furthermore, we may share information about you with the following types of businesses:

• Financial service providers, such as insurance services.
• Non-financial service companies such as collection agencies.

Some of these companies that we may also disclose part or all of the information we collect, as described above, market the credit unions services or are other financial institutions with which we have joint marketing agreements. Energy Credit Union enters into business arrangements only with businesses that we believe will provide our membership with competitive financial products and that follow strict confidentiality requirements to assure that any information shared is safeguarded. In no instance does Energy Credit Union provide your account number or any information that will allow companies marketing their financial services to access your account without your express consent.
 

How Energy Credit Union Protects 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 that comply with federal regulations to guard your personal information.

We want to bring to your attention that there may be instances where you erroneously believe the credit union has released personal information about you. For example, information about a secured loan you may have from our credit union may be publicly available in local government records, and a business has compiled this information in order to market you a product that this credit union does not endorse.

As a member of our credit union, we remind you that you have a responsibility to safeguard your financial information by protecting your identification access numbers and reviewing your periodic account statements. If you have any concerns about the accuracy or security of the personal information you have entrusted to Energy Credit Union, please contact us.