Guardian Credit Union recognizes the importance of protecting your privacy. It is a priority of Guardian Credit Union to keep your financial information safe and secure. We are required by law to explain how we collect, use and safeguard your personal information. In the course of doing business, we offer you services and products to improve our service, and provide you with faster, more convenient and higher quality service. But in order to do this; we may be required to share information about you to complete your transactions. We collect nonpublic personal information about you from a variety of sources and may disclose all the information we collect to companies that perform services on our behalf, or to other financial service providers with whom we have joint marketing agreements, or as required by law. We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. If you terminate your membership with Guardian Credit Union, we will not share information we have collected about you, except as permitted or required by law.
Types of information we collect and disclose. Sources of the information we collect and disclose include:
Applications for services: We obtain members names, addresses, and social security numbers for correspondence and tax reporting. Transactions processing: Our systems record the deposits and withdrawals to your accounts. Consumer reporting agencies: In making loan decisions, we use information from credit bureaus. When opening checking and savings accounts, we use information from reporting agencies that track account abuse and fraud. We also request employment information to verify employment.
Who we disclose the information to: Guardian Credit Union uses various third parties and non affiliated third parties with a joint marketing agreement to assist in offering financial services to members. For example, third parties are involved in the processing of transactions using credit cards, checks, TYME and debit cards, and bill payment. In each case when a third party is used for these services, the third party only receives information necessary to conduct the transaction, and may not disclose information about our members to any other parties or use it for unapproved purposes. We reserve the right to disclose information to affiliates and third parties in the future to whom we do not currently disclose. We do not permit these companies to sell to other third parties the information we provide to them.
We may disclose nonpublic personal information about you to other financial service providers such as insurance companies and others such as companies that offer discounted promotional material unless you request to opt out of your information sharing. If you would like to request your information to not be shared other than those permitted by law, please fill out the opt out notice form below and mail it back to us, or stop in to any one of our branches to fill out your request. – less–ZoomInfo