Disclosures & Policies
YOUR BILLING RIGHTS-KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
NOTIFY US INCASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT.
If you think your statement is wrong or if you need more information about a transaction on your statement, write us on a separate sheet at the address listed on your statement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:
· Your name and account number
· The dollar amount of the suspected error
· Describe the error and explain, if you can, whey you believe there is an error.
If you need more information, describe the item you are not sure about.
If you have authorized us to pay your CREDIT CARD Account automatically from your share account, share draft account, or through payroll deduction, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE.
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days we must either correct or explain why we believe the statement was correct.
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to send statements to you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question.
If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone that we report you to that you have a question about your statement. And we must tell you the name of anyone we reported you to. We must tell anyone that we report you to that the matter has been settled between us when it finally is.
If we don’t follow these rules, we can’t collect any funds of the questioned amount, even if your statement was correct.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
Write us as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.
NOTICE OF PRIVACY PRACTICES FOR FOOTHILLS CREDIT UNION MEMBERS
Important Information About Your Personal Data That The Credit Union Collects, And How We Use That Data to assure the continued privacy and confidentiality of your personal financial information, Foothills Credit Union observes these practices and procedures;
Information We Collect
We collect nonpublic information about you from some or all of the following sources;
– Information we receive from you on applications or other forms
– Information about your transactions with us, our affiliates, or others
– Information we receive from a consumer reporting agency
– Information obtained when verifying data you provide on an application or other forms
Information We Disclose
We may disclose personal information that is necessary to conduct our business. This means just what is necessary to provide competitive financial products and services, and under other circumstances permitted by law.
Our Security Measures
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in using your information. 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 personal information.
Foothills Credit Union members and the public may receive copies of our notice of privacy practices by contacting the credit union at (720) 962-8200 or write us at Foothills Credit Union, 7990 W Alameda Ave, Lakewood, CO 80226.
FOOTHILLS CREDIT UNION BOARD OF DIRECTORS
Our credit union is committed to making available financial products and services that will enable our members to meet their financial goals. Protecting personal information and using it in a manner consistent with member expectations is a high priority for everyone associated with Foothills Credit Union.
– Our credit union will collect only the personal information that is necessary to
conduct our business. That means only what is necessary to provide competitive
financial products and services – and no more.
– Our credit union will protect member personal information. Our credit union will
maintain strong security controls to ensure that member information in our files and
computers is protected. Where appropriate, we will use security coding techniques
to protect against unauthorized access to personal records, ensure the accuracy and
integrity of communications and transactions, and protect member confidentiality.
– Members will always have access to their information. As a member of our credit
union, they will always have the opportunity to review their information and make
necessary changes to ensure that our records are complete and accurate.
– Our credit union will only share information when absolutely necessary. We will
only share information to administer the products and services we provide when
required to do so by governmental agencies, or when we partner with other
businesses to offer a broader array of products and services.
– Our credit union will partner only with businesses that follow strict confidentiality
requirements. The businesses we select will offer products designed to enhance our
member’s economic well-being. Under no circumstances, unless our members are
given the opportunity to “opt out” (as defined by NCUA guidelines), will we
authorize these firms to charge a member’s account without the members express
consent, and under no circumstances will we allow these business relationships to
sell member information to any other businesses.
– If we enter into a business relationship that, by regulation, we must give our members
the opportunity to not have their information shared, we will do so. We will inform
members on how to exercise their choice, and we will take all reasonable steps to
make sure member requests are followed.
– Our credit union will not collect, use or disclose online information received from children
under age 13 without prior parental notification and consent, which will include an opportunity
for the parent to prevent use of information and participation in the activity.
– At least annually we will post our Privacy Notice in a Quarterly Newsletter.
Our members also have a responsibility to safeguard their financial information.
Members can help by taking the following actions;
– Protect all account numbers, card numbers, social security numbers, PINs
(personal identification numbers), and passwords. In particular, never keep your
PIN with your debit or credit card, and never leave your account open on a computer
that could have access by someone other then yourself.
– Use caution in revealing account numbers, social security numbers, etc. to other
persons. In particular, if a caller tells you he/she is calling you on behalf of the
credit union and asks for your account number. Legitimate credit union staff
will already have access to that information.
– It’s important that the credit union has current information about how to reach you.
If we detect potentially fraudulent use of your account, we will attempt to contact
you immediately. If your address or phone number changes, please let us know.