Privacy Policy

IBEW/SJ Cascade Federal Credit Union . . . is a member owned financial institution providing you with competitive financial products and services that will enable you to meet your financial goals. We are equally committed to safeguarding your confidential information and protecting your privacy. This privacy policy informs you of what we do to protect your information and also some steps you can take to protect your personal and financial information.

Information We Collect

We collect a variety of nonpublic personal information about you from the following sources:

Disclosure To Parties that Provide Services

The Credit Union uses a variety of third party vendors to assist in offering competitive products and services to our members. We may disclose all of the information we collect to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements.

How We Protect Your Personal and Financial Privacy

This Credit Union will partner only with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We will not continue a relationship with any third party vendor who violates this policy. We may disclose nonpublic personal information about you to the following types of third party vendors:

Although we may be permitted by law to disclose certain information about our members, the Credit Union will not disclose that information if we determine it does not contribute to your financial interests. We will disclose information with your consent or if required by law. If you decide to terminate your membership or you become an inactive member, we will continue to adhere to the privacy policies and practices as described in this notice.
Per Regulation V, also known as the FACT ACT, the Credit Union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that meet or exceed federal regulations to guard your nonpublic personal information.

Special Notices

In accordance with Section 326 of the USA Patriot Act, you authorize us to verify and record information that identifies each person who opens an account. You further authorize us to check your account, credit, and employment history, and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for any account or services you request.
We do not collect personal identifying information about visitors to our site, except as described below. Our servers collect standard non-identifying information about our visitors to the site, such as date and time visited, IP address, city, state, and country. This information is used to compile standard statistics on site usage. The Credit Union may use your e-mail address to send you important information relating to your account, to communicate with you to handle your request, and to inform you about other Credit Union products and services. Information you have provided to us will not be sold or transferred to other parties.

Disclosure Of Information Practices With Regard To Children

As Required By The Children’s Online Privacy Protection Act Personal information such as the name, address, e-mail address, telephone number, social security number, persistent identifier, or combination of various identifying elements, of children under the age of thirteen is not collected by IBEW/SJ Cascade Federal Credit Union or www.TownofCheektowagaFCU.com. If a child elects to send e-mail or other electronic request to the Credit Union, we may respond to that e-mail or request. However, the e-mail address of the child will be deleted and no personal information will be collected, stored or disclosed.

What You Can Do To Help

We are committed to protecting the privacy of our members. You can help by following these simple guidelines: