ST. JOE VALLEY CREDIT UNION PRIVACY NOTICE

January, 2011

Our Pledge to Your Privacy. At St. Joe Valley Credit Union our members’ financial privacy is a top priority. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice explains how we collect, use and safeguard your personal financial information and under what circumstances we may share it.

Member Information We Collect. The Credit Union collects only relevant information about members that is needed to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal and financial information about you (member information), which is “non-public.” The member information we collect varies depending on the accounts and services you request and use. We collect information about you from the following sources:

Application Information. We retain personal information we receive from you on any application you provide for membership, deposit accounts, EFT services, loans, insurance, or other Credit Union services. This information includes: name, address, Social Security number, birth date, phone number, employment and financial status, credit history and credit scores.

Your Transactions. Any time you make a transaction on one of your accounts, including ATM or card transactions, new loans, transactions through Home Banking, over the phone or in the CU office, we retain the transaction information, including: your account number, date, amount, location of the transaction, and other pertinent information.

Credit Reports. When we evaluate your application for an account or service, we may request a credit report from a consumer- reporting agency. We retain the personal credit history information about you, and we may use it to evaluate future account service requests.

On-line. We obtain information on-line when you visit our website, www.stjoevalleycu.com. This includes retaining information you provide to us on Bill Pay applications, Home Banking transactions, or email you send to us.

Member Information We Share. In order to provide financial services to you, we share certain information about you with our third party service providers. However, we only share information to the extent necessary to service your account or offer new services to you. If we share your information, it is with the goal of extending you quality services, more choices, and greater convenience. If you terminate your membership with St. Joe Valley Credit Union, we will not share information we have collected about you, except as permitted or required by law.

Sharing Information with Third Party Services Providers. In order for us to complete transactions for you and provide you with certain financial opportunities, we need to share information with our service providers, including: data processing companies; check, ATM and other payment processing companies; loan product providers; insurance companies; collection agencies; credit reporting agencies; and financial service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed in writing to keep member information we provide to them confidential. We share the following categories of information to third party service providers depending on the specific services provided:

• Personal information (name, address, account number);
• Account information (type of accounts, account balances, and transaction history;
• Transaction information (dates, amounts, locations, and type of transaction).

We do not sell member information nor share your account numbers with independent third party marketers offering their products and services. While we may assist in offering financial products and services of our contracted financial service providers, we control the member information used to make such offers.

Sharing Information as Legally Required or Permitted. We may share any member information in response to a lawful request issued by a court, government agency, or regulatory authority, or as permitted by law in order to administer or enforce you account. We may also share our experience information about you with certain bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.

How We Protect Your Information. We maintain strict policies and security controls to assure that member information in our computer systems and files is protected. Our employees are permitted access to member information that they may need to perform their jobs and to provide service to you. Our employees have access to such member information as necessary to conduct a transaction or respond to your inquires. All employees are trained in the in the importance of maintaining confidentiality and member privacy. No one except our employees has regular access to the Credit Union computer system and records storage. The Credit Union has established internal security controls, including physical, electronic, and procedural safeguards to protect the information you provide us and the information we collect about you. We will continue to review our internal security controls to protect your member information as we employ new technology in the future.

Protecting Children’s Online Privacy: We do not knowingly collect, nor is our Home Banking site designed or directed, to use personal information from children under the age of 13 without containing verifiable consent from their parents. Should a child whom we know to be under the age of 13 send personal information to us, we will only use that information to respond directly to that child, seek parental consent or provide parental notice.

On-line Privacy Protections. Our Home Banking database is a private system operated for the exclusive use of our members. We use SSL encryption and digital server authentication to insure the privacy of your information when sending data between our Home Banking server and your PC.
All Home Banking logins are logged by the server. For authenticated members who use Home Banking, we collect and store certain information such as how often you visit the Home Banking section, dates and times of visits and which pages are being used. We use this information for internal review and product evaluation only. We never sell, transfer or trade this information unless we are compelled to do so by law.

We may gather and store additional information available to us on failed login attempts and other activity we consider a threat to our system. In these cases, we will share this information with other companies, agencies and law enforcement officials as we see fit.

Privacy Policy Inquiries.
If you have any questions about our privacy practices, contact us by calling (208) 245-4231, visit us at our website, www.stjoevalleycu.com and send us an email, or write to us at:
St. Joe Valley Credit Union
P.O. Box 216
St. Maries, ID 83861

Revised 09/2010

Member – American Share Insurance
Member Accounts insured to $250,000
This institution is not federally insured.