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Privacy Statement

Privacy Notice for A-K Valley FCU, a branch of Clearview FCU

Your Credit Union is committed to making your financial privacy a top priority.  We are required by law to give you this privacy notice to explain how we collect, use, and safeguard your personal financial information.  If you have any questions, please contact us at:

     1-800-926-0003 long distance or 412-269-3011 in Pittsburgh or email us at info@clearview.org.

We are committed to providing you with competitive products and services to meet your financial needs.  This commitment necessitates that we share informaitno about you to complete your transactions and to provide you with certian financial opportunities.  In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.

Under these arrangements, we may disclose all of the information we collect, as described below, 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 our members' privacy, we only work with companies that agree by contract to maintain strong confidentiality protections and limit the use of informatino we provide.  We do no permit these companies to sell to third parties the information we provide.  We do not permit these companies to sell to third parties the information we proved to them.

INFORMATION THAT WE COLLECT AND DISCLOSE ABOUT YOU

We collect and may disclose nonpublic personal information about you from the following sources:

• Membership and loan applications and other forms;
• Your transactions with us or others;
• Consumer reporting agencies; and

• Applications or other forms we use to verify information you provide, such as your current or past employers and/or other institutions where you conduct financial transactions.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
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, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

• NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
  We may disclose nonpublic personal information to nonaffiliated third parties. Here are the kinds of nonpublic personal information we disclose to nonaffiliated third parties:

• Nonpublic personal information we received from you on an application or other forms, such as
• Name
• Address

  You may opt out of the disclosure of the information listed above.

  Types of Nonaffiliated Third Parties
  We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:

• Financial service providers, such as
• Insurance agents

  We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

  Future Nonaffiliated Third Party Disclosure
  We also reserve the right to disclose nonpublic personal information about you in the future with the following types of nonaffiliated third parties:

• Financial service providers, such as
• Mortgage bankers
• Securities broker-dealers

  NONPUBLIC PERSONAL INFORMATION AND FORMER MEMBERS
  If you decide to close your account(s) or become an inactive member, we will follow the privacy policies and practices as described in this notice.

  AUTHORIZED SHARING OUTSIDE MARKETING SERVICES
  We may disclose the following information to companies that perform marketing services on our behalf:

• Nonpublic personal information we receive from you on an application or other forms such as,
• Name
• Address
• Social security number
• Nonpublic personal information about your transactions with us, such as
• Name
• Address
• Account balances
• Account activity
• Types of accounts
• Credit card usage
• Payment history
• Deposit history
• Parties to the transaction
• Payment amount

  Federal law allows us to 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 nonpublic personal information about you to nonaffiliated third parties as permitted by law.

  YOU HAVE THE RIGHT TO CHOOSE
  In this notice, we have explained our policy about the disclosure of certain information
  

  Nonaffiliated Third Parties.
  We have explained the kinds of nonpublic personal information we may disclose to nonaffiliated third parties. We have also explained the kinds of nonaffiliated third parties with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).

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

• Service providers that perform marketing services for us
• Direct sales companies

  AUTHORIZED SHARING - JOINT MARKETING
  We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Nonpublic personal information that we receive from you on an application or other forms, such as
• Name
• Address
• Date of birth

  Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

  Types of Businesses
  Here are the types of businesses with whom we may disclose nonpublic personal information under this section:
  

• Financial service provider, such as
• Insurance agents

  YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION
  Nonaffiliated Third Parties. If you do not want us to share your nonpublic personal information with nonaffiliated third parties, you can block the release of certain nonpublic personal information. This is known as your right to "opt out."
  Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.
  If you have a joint account, an opt out instruction given by one participant of this account will affect all participants of the account.
  

If you have any questions, please direct them to A-K Valley's Webmaster

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