Security & Privacy

Notice of Privacy Practices

Your Privacy is a Priority to Us
At Dupaco Community Credit Union, we are committed to safeguarding member information. Since your privacy is a priority to us, we will not share nonpublic information about you with third parties outside of the Dupaco corporate family, except as explained in our Privacy Policy.

Notice of Your Financial Privacy Rights
“We,” “our,” and “us” mean Dupaco Community Credit Union, Dupaco Financial Services, Inc., and Dupaco Insurance Services (wholly-owned subsidiaries of Dupaco Community Credit Union). This is our privacy notice for our members and clients. When we use the words “you” and “your,” we are referring to all of the consumer members who have a continuing relationship with us, utilizing such services as:

Deposit account
Loan account
Credit card
Safe-deposit box
Automobile lease service
Home mortgage brokerage
Retail installment contracts which we hold and service
Self-directed Individual Retirement Account for which we act as custodian or trustee

We will tell you the sources of nonpublic personal information we collect on our members and clients. We will tell you what measures we take to secure the information.

Definition of Terms
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control.
A nonaffiliated third party is a company that is not an affiliate of ours.

Methods of Gathering Information
In order to provide you with financial products or services, we may obtain nonpublic, personal information about you from the following sources:

Information we receive from you on applications or other forms
Information about your transactions with us
Information about your transactions with nonaffiliated third parties
Your transactions with us, our affiliates (members of the Dupaco corporate family), or others. This information may include the following: account balances, name, address, account activity, types of accounts, credit card usage, payment history, deposit history, parties to the transaction, and consumer reporting agency information (such as account information and information about your creditworthiness)

Our Security Practices and Information Accuracy
We also take steps to safeguard member information. We restrict access to personal and account information of our members to those employees who need to know that information in the course of their job responsibilities. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect member information.

Sharing Information Outside the Dupaco Corporate Family
We are required to or we may provide information about you to third parties outside the Dupaco corporate family, without your consent as permitted by law, such as:

To respond to a subpoena or court order, judicial process, or regulatory authorities
To transmit information to consumer reporting agencies
To protect against fraud

We do not disclose nonpublic personal information about former members, except as permitted by law.

Authorized Sharing—Joint Marketing
We may disclose all of the information we collect, as previously described, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Federal law allows us to disclose information previously described with other financial institutions with whom we have joint marketing agreements. We may disclose nonpublic personal information to the following types of businesses:

Financial service providers
Securities brokers/dealers
Insurance agents
Trust services providers

What Members Can Do To Help
Dupaco Community Credit Union is committed to protecting the privacy of its members. Members can help by following some simple guidelines:

Protect your account numbers, card numbers, Personal Identification Numbers (PINs), and passwords. Never write your PIN on the back of your credit or debit card in case your card is lost or stolen. Doing this could provide immediate access.
Use caution when disclosing your account numbers, Social Security numbers, etc., to other persons. Always make sure you know who you are talking to when someone calls. Many times scam artists will call, posing as a credit union employee, to obtain account information.
Official credit union staff will already have access to your information and will not need to ask for it. Also note that Dupaco will never solicit e-mails requesting your credit union username, password, PIN number, or other personal identity information.
Keep your information with us current. If your address or phone number changes, please let us know.

Patriot Act

Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you
When you open an account, we will ask for your name, address, telephone number, date of birth, social security number, employer, drivers license number or picture id. We may also ask to see a copy of these identifying documents.

This notice meets the notification requirements of the National Credit Union Administration regulations on privacy of consumer information, Part 716.