Privacy Policy
Corning Credit Union created this Privacy Policy to demonstrate our firm commitment to safeguarding the privacy
of our members. We are committed to protecting the safety and privacy of each member's financial records and other
nonpublic information consistent with state and federal laws. We take prudent and reasonable measures to safeguard the
accuracy and privacy of all member information used while conducting business, including business conducted via the
Internet, ATM networks, wire services, telephone, the U.S. mail, and other means of communication. We maintain
physical, electronic, and procedural safeguards that comply with federal regulations to guard members' nonpublic,
personal information. All Credit Union employees are required to adhere to the Corning Credit Union Code of Ethics,
which requires them to maintain the confidentiality of all Credit Union and member information. We do not collect or
maintain information about our members that is not essential for prudent business purposes. The Credit Union
does not disclose information about our members or former members to third parties except as permitted or required by
law.
How information is collected
We collect information such as name, address, social security number, and assets and income information through
membership applications, account and service applications, loan applications and related forms that members and
prospective members submit. Some of these forms are available for completion and submission on our website. We obtain
additional information from other sources when verifying the information members provide on applications and other
forms. For example, we obtain information from a member's current or past employers, from other institutions where a
member conducts financial transactions, and information relating to a member's transactions involving our products
and services (such as members' account balances, payment history, parties to transactions, and credit card usage).
In addition, we obtain information regarding members' creditworthiness and credit history from credit reporting agencies
in connection with making loan decisions, making, servicing and collecting loans, and granting Checking Account and Check
Card privileges. Information obtained from our members is kept secure and access to that information is limited within
the Credit Union to personnel who need to know the information to provide products or services to our members and
properly operate the Credit Union.
How collected information is used
We may disclose information we collect from membership and loan applications and other
forms to: our affiliated companies; to companies that perform marketing services on our behalf; to other financial
institutions with whom we have joint marketing agreements; and to other related business partners. The types of
information we disclose may include, for example, a member's name, address, social security number, and income.
Member information is provided to business partners in connection with statement and mailings distribution, after-hours
and automated servicing, credit card authorizations, guaranteeing member share drafts, and reporting credit history
information to credit reporting agencies. The Credit Union requires all recipients of nonpublic, personal information
to maintain our strict confidentiality and privacy policies. Federal Law protects the information the Credit Union
provides to credit reporting agencies and its use is strictly governed by the Fair Credit Reporting Act. We may also
disclose information we collect about members under other circumstances as permitted or required by law. These
circumstances typically include disclosures of information necessary to process transactions on behalf of our members,
conduct the operations of the Credit Union, perform actions authorized by a member, protect the security of our
financial records, or comply with applicable law or court order.
Information collected from our website
At the Credit Union, we believe that protecting the safety and privacy of our website
visitors is one of our fundamental responsibilities. The following information will help you to understand how
we protect the information gathered from www.corningcu.org and the websites of our affiliates. The Credit Union
passively collects information from its website users such as user name, email addresses, Internet Service Provider
address,access time and date, click streams, and failed logon attempts. The Credit Union collects this information
for internal reporting of website statistics and product monitoring to improve our services. Information obtained
from our website is kept secure and access to that information is limited to the Credit Union personnel who need to
know the information to provide products or services to our members and to properly operate the Credit Union. The
Credit Union does not collect any personal information from children under the age of 13 on its website.
Your consent
By using our website, you consent to the collection and use of this information by the
Credit Union. This information about members and former members is never disclosed to third parties
except as permitted or required by law. To enhance the personalization and performance of a user's
experience and to secure an audit trail for "Home Banking" transactions, the Credit Union utilizes "cookies" (very
small files that a website sends to the visitor's browser for record-keeping purposes). Cookies function as
identification cards and also record the visitor's preferences. Cookies cannot deliver viruses. Users can set their
browser to deliver a message when a cookie has been sent, allowing them to decide whether to accept or reject it.
However, to tailor website content to our visitor's interests and to complete "Home Banking" transactions, all
cookies must be accepted for the Credit Union and its affiliates' website use. All of our cookies are temporary,
which means that they are active only as long as the user's browser is running and are deleted when the session has
ended.
Website security measures
The Credit Union's encrypted website has security measures in place to protect against
access, misuse or alteration of your information. The Credit Union uses Secure Socket Layer (SSL) encrypted network
transmissions on all website pages that require the input of, or supply confidential information. (SSL was created
for use in transmitting private information over the Internet and encrypts [converts data into secret code] information
exchanged between a web browser and a web server). All online applications within "Home Banking" are on a secure
web page. Data transmitted by submitting online applications is encrypted using PGP Encryption software. The Credit
Union may use feedback from visitors that is received via email from our site to respond to inquiries, comments, or
suggestions. This information about members and former members is never disclosed to third parties
except as permitted or required by law. The Credit Union asks that you do not send confidential
information to us via email. You should never sendconfidential information to the Credit Union using unencrypted
email. Email is not secure against interception. If your communication is sensitive, or includes personal information
such as member account numbers, credit card numbers, personal identification numbers, social security number, or
date of birth, you should contact us in person, by phone or regular mail. Our website may contain links to other
websites. The Credit Union is not responsible for the privacy practices of those sites. We encourage all users to
read the privacy statement of all linked websites.
If you have questions regarding the privacy and security of your confidential information, please contact
us by phone or email.
