Your Privacy at BayPort Credit Union

It's a Matter of Respect...For You & The Law.

BayPort Credit Union recognizes and respects the privacy expectations of its members, therefore we are committed to ensuring that we take every available measure to protect the privacy of the information shared with us. You, as a member, are protected not only by state and federal laws but also by our commitment to them. 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 call us at (757) 928-8850, toll-free 1-800-928-8801.

Our Commitment

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transaction and to provide you with certain 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 and other affiliated financial service providers. 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 to third parties the information we provide to them.

Our Policy

We collect the following nonpublic personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

• From membership and loan applications and other forms, we obtain information such as, name, address, social security number and income.
• From your transactions with us or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history, parties to transactions and credit card usage.
• From consumer reporting agencies, we obtain information such as your creditworthiness and credit history.
• From verifications of information you provide on applications and other forms, we obtain information from current or past employers, other financial institutions and other sources listed on the application.

Information Processing

We may also disclose information we collect about you under other 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. If you terminate your membership with BayPort Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic information.

Accurate Information

The credit union is committed to ensuring that member information is accurate. As a member of our credit union, you also have a responsibility for updating your records from time to time in order to ensure its accuracy. If you believe your information is inaccurate, please call or write to us.

Privacy on the Internet

Visitors to the credit union's web site will remain anonymous unless you choose to provide personal information in order to apply for credit union products or services. We will retain information you provide us on any on-line application, service or eBranch transaction you submit online. We may also ask for your email address, and if supplied, we look to this as permission to market products and services from BayPort Credit Union. We do not share your email address with any outside parties. Our servers collect standard non-identifying information about visits to the site, such as date and time visited and IP address (internet protocol address - a string of four numbers separated by periods used to represent a computer's address on the internet). This information is used to compile standard statistics on site use. The "community hotlinks" to other web sites provided to you are solely for informational purposes to our members and should not be construed as a relationship or endorsement by BayPort Credit Union. Any information that you share with these sites is solely between you and that web site.

Protecting our Children

BayPort Credit Union recognizes and respects the importance of maintaining the privacy and the confidentially of children who may access our web site. We do not knowingly collect, store or share with third parties any personal identifying information we obtained on our website from children information.

We reserve the right to change this policy along with related provisions at any time.

BayPort Credit Union, Inc.
3711 Huntington Avenue
Newport News, Virginia 23607
(757) 928-8850 / 800-928-8801
revision date: 09/08
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