At Crescent Credit Union, we value and respect the trust placed in us by our members.  For that reason, we want you to know how we deal with customer information and privacy.  That discussion is followed by our formal Policy on the Privacy of Customer Financial Information.

Safeguarding information in the age of technology presents new challenges for all of us.  At Crescent Credit Union, your trust is our greatest asset.  We have adopted strong privacy protection guidelines to ensure that any private financial information you share with us is protected and held in the strictest confidence.  Our employees are trained to respect the importance of maintaining the confidentiality of member information.  We use appropriate security procedures designed to help prevent unauthorized access to member information.  Confidentiality and the preservation of your trust is the key to our mission.

We often use member information to provide you with better, more efficient service.  Sharing information internally or with our business partners enables us to better understand our members’ financial needs, allowing us to provide the best possible products and services at reasonable prices.  Sharing information about our members is also necessary to deliver everyday conveniences, such as ATM access and streamlined member service.

Once you agree to establish an account relationship with us, or apply for credit, we collect nonpublic, personal information about you from some or all of the following areas: 

• Information we receive from you on applications and other forms;
• Information about your transactions with us or others; and
• Information we receive from consumer reporting agencies.

The collection of this information, often necessary to properly evaluate, maintain and service your account, may occur at various times while you have an account relationship with us.  We make every effort to maintain accurate and complete member information.  If you believe that the information we maintain about you is inaccurate, please write to us and explain the nature of your concern.  We will investigate the issue; take appropriate steps according to prevailing practices and applicable regulations, and will report to you the outcome of our investigation.

For the reasons outlined earlier, we may disclose all of the information that we collect, as described above.

We may disclose information with companies that are able to extend special offers we feel might be of value to you.  These companies may be financial service providers (such as insurance companies) or they may be non-financial companies (such as publishers or direct marketing companies).  These offers are typically for products and services that you might not otherwise hear about.  The information that we may provide them comes from the sources described above and might include your name, address and phone number.

We may also disclose information to companies that perform operational services related to your account, or marketing services for us.  Law permits the sharing of information with these types of companies.  Such a company might include a financial company with which we have a joint marketing agreement.  This information also comes from the sources described above and might include your name, address and phone number.

Finally, we provide information about you to companies as permitted by law.  These companies may include credit reporting agencies and companies, which provide services, related to your account.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

If you prefer that we did not discuss nonpublic personal information about you to non-affiliated third parties, with respect to this loan or account, you may opt out of those disclosures.  That is, you may direct us not to make those disclosures (other than disclosures permitted or required by law).  If you wish to opt out of disclosures to non-affiliated third parties, you may: 

• E-mail your request to privacy@crescentcredit.org
• Or write to us at (Please include you full name and account numbers):

CRESCENT CREDIT UNION
ATTN:  PRIVACY POLICY
P.O. Box 4290
Brockton, Ma 02303

You should know that we restrict access to nonpublic, personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that are designed to comply with federal regulations to guard your nonpublic, personal information.

We are committed to protecting the privacy of our customers while serving their needs for new, better and less costly financial products and services.  We believe it is possible to protect your personal financial privacy in the Information Age.  Our business strategy depends on it.

Visitors to our Website 
Visitors to the Crescent Credit Union Website remain anonymous. We do not collect unique identifying information about you individually unless you voluntarily and knowingly provide us that information.  We do collect general information about your visit, such as when you accessed our site, which pages you accessed, and what Internet provider you used when you accessed our site.  You may elect to provide us with more specific information, such as when you give us feedback or send us an email.  If you provide us this information, it is used internally.  We would never sell information we collect or that is provided to us regarding visitors to the Crescent Credit Union Website to any third parties, and we would never spam someone who previously visited our Website. 

If you would like to know what information we have collected regarding your visit to our Website, contact privacy@crescentcredit.org .  After reviewing the information, if you believe any of the information is in error, contact privacy@crescentcredit.org , explain the alleged discrepancy, and if the information is incorrect, we will update it promptly.  In addition, if you believe any information we have collected about you has been used for an improper purpose, contact privacy@crescentcredit.org and explain your concerns in as much detail as possible so we may take any appropriate action.  

Links
Crescent Credit Union has a number of links to other sites. These are offered as a courtesy and a convenience. Crescent Credit Union assumes no responsibility for the content, safety, security, or privacy of any such site or any transactions with respect thereto.  If you have questions or concerns about any other site’s policy regarding these matters, you should contact that site or its sponsor. 

Amendments and changes
Crescent Credit Union reserves the right to amend or change this policy at anytime and without notice.  For the most current version of this policy, contact our customer service department at 508-559-5400 or privacy@crescentcredit.org .