Welcome to Lacamas Community Credit Union

Online & General Privacy Policy

I. LACAMAS COMMUNITY CREDIT UNION PRIVACY POLICY

1. Our Privacy Pledge. At Lacamas Community Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Lacamas Community Credit Union and our affiliate, Lacamas Financial Services. This notice explains what types of member information we collect and under what circumstances we may share it.

2. Member Information We Collect. The Credit Union collects only relevant information about members that is needed to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal and financial information about you (member information) which is "nonpublic." The member information we collect varies depending on the accounts and services you request and use. We collect information about you from the following sources:

3. Application Information. We retain personal information we receive from you on any application you provide for membership, deposit account, EFT services, loans, financial planning, securities brokerage, insurance, or other Credit Union and affiliate services. This information includes: name, address, social security number, birth date, phone number, employment and financial status, and credit history.

4. Your Transactions. Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, securities brokerage or insurance transactions, transactions through Online Banking, over the phone or at a branch, we retain the transaction information, including: your account number, the date, amount, location of the transaction, and other pertinent information.

5. Credit Reports. When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. We retain the personal and credit history information about you and we may use it to evaluate future account service requests.

6. Online. We obtain information online when you visit our website, www.lacamas.org. This includes retaining information you provide us on any online application, Online Banking transaction or information you send to us by e-mail.

7. Member Information We Share. In order to provide financial services to you, we share certain information about you with our affiliates and third party service providers. However, we only share information to the extent necessary to service your account or offer new services to you. If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience. Information we may have about former members is generally only shared or disclosed if necessary to enforce or administer an account or as required by law.

8. Sharing Information with Credit Union Affiliates. Our wholly-owned affiliate, Lacamas Financial Services, provides financial services, including financial planning, securities brokerage, and insurance products and services. We may share personal information (such as name, address, and account number) and account information (such as type of accounts, account balances, and transaction history) with our affiliate so they can serve you more efficiently. Our affiliate maintains the same privacy standards as the Credit Union.

9. Sharing Information with Third Party Service Providers. In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share information with our service providers, including: data processing companies, check, ATM, and other payment processing companies, payment networks, loan service providers, insurance companies, collection agencies, credit reporting agencies, financial planners, securities brokerage and insurance companies, and financial service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed in writing to keep the member information we provide to them confidential. We share the following categories of information to third party service providers depending on the specific services provided:

Personal information (name, address, and account number)
Account information (type of accounts, account balances, and transaction history)
Transaction information (dates, amounts, locations, and type of transaction)

We do not sell member information nor share your account numbers with independent third party marketers offering their products and services. While we may assist in offering financial products and services of our affiliate or other financial service providers, we control the member information used to make such offers.

10. Sharing Information as Legally Required or Permitted. We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.

11. Our Confidentiality and Security Safeguards. We maintain strict policies and security controls to assure that member information in our computer systems and files is protected. Our employees and agents are permitted access to member information that they may need to perform their jobs and to provide service to you. Our employees and agents have access to such member information as necessary to conduct a transaction or respond to your inquiries. All employees and agents are trained to respect member privacy. No one except our employees and agents has regular access to the Credit Union computer system and records storage. The Credit Union has established internal security controls, including physical, electronic and procedural safeguards to protect the information you provide us and the information we collect about you. We will continue to review our internal security controls to safeguard your member information as we employ new technology in the future.

12. Online Privacy Protections. At our website, www.lacamas.org, you may apply for accounts and services and you may communicate with us via e-mail. To protect the information you provide us online, we use multiple levels of security. The application information we accept online and our Online Banking service relies on industry standard "Secure Sockets Layer" (SSL) encryption to secure your transaction information and communication. Generally, our e-mails are not secure. However, if we ask you to e-mail us information other than your name, address, e-mail address, and phone number, it will be obtained using a secure (SSL encryption) e-mail form. When you visit our website, you can access site information, without revealing your personal identity. However, in order to help us identify you for future site visits, we use "cookies" to track your visit. A "cookie" is a piece of information that our web server stores on your computer hard drive and retrieves later. The cookie will not request, require or collect personal identity information and you remain anonymous. Your member information is not accessed by or stored within a cookie in any way.

13. Protecting Children's Information Privacy. Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children's identities and online privacy is important and that responsibility rests with us and with parents.

14. Privacy Policy Inquiries. If you have any questions about our privacy practices, contact us by calling 1-888- 834-3611 or 360-834-3611, sending us an e-mail at service@lacamas.org, or writing to us at Lacamas Community Credit Union, P.O. Box 1108, Camas, Washington 98607.

II. PRIVACY SAFETY TIPS

1. Protect your personal information: Never give your Social Security number or personal credit information over the phone unless you initiate the call. Keep your personal identification number (PIN) and password in a safe place. Try to memorize your PIN and password and do not write them down with your account information.

2. Keep your information with us current: 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. If your address or phone number changes, please let us know.

3. Destroy or securely store your account records: Tear or shred receipts, bank statements, and unused credit card offers. Keep billing statements and other account-related documents in a safe place.

4. Regularly review your credit report: Order a copy of your credit report from each of the three major credit-reporting agencies every year. Make sure it's accurate and includes only those activities you've authorized. The law allows credit bureaus to charge you up to $8.50 for a copy of your credit report. If you've been denied credit within the last 60 days, the credit report is free. The three national credit bureaus:

Experian - www.experian.com, 1-800-682-7654
Equifax - www.equifax.com, 1-800-685-1111
TransUnion - www.transunion.com, 1-800-916-8800

5. Check your financial statements: Follow up with your financial institutions if your statements don't arrive on time. Review your statements carefully and promptly. Report any discrepancies to your institution immediately.

6. If you lose your credit card: Call all of your creditors immediately if you lose your credit card or suspect that someone has stolen your account information.

7. Choose your online passwords wisely: Choose a password that is at least 6 characters, a combination of letters and numbers, and difficult to guess. Avoid using an easily guessed password such as a word found in the dictionary, your name, your significant other's name, your pet's name, or your birthday. Avoid writing your password in a place where others can view it.

8. Always logout completely when online: Use Log Out or Exit buttons when you leave web sites where you entered personal information and close your browser window. When you log out, you should receive a message confirming that you have successfully logged out. Not logging out of some sites could endanger the security of your personal information by potentially allowing others using the same computer to access information saved or cached in the browser's memory.