Collection of personal information.  New Cumberland Federal Credit Union (NCFCU) will collect only the personal information that is necessary to conduct our business. That means just what is necessary to provide competitive financial services – no more.

Information collected from E-mails.  When you send us personally identifying information, for example, in an electronic mail message containing a question or comment or by completing a form that E-mails us this information, we use this information to fulfill or respond to your requests. From time to time, we may forward your E-mail to a vendor or supplier who can assist us with honoring your request. We may also store your E-mail to provide us with information for future improvements. We do not create individual profiles with the information you provide.

Protection of personal information.  NCFCU will protect your personal information. We 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.

Distribution of personal information.  NCFCU will only share information when it is absolutely necessary. The credit union does not and will not sell or provide personal information to third parties for independent use. We will only share information:

1. to administer the products and services that we provide,
2. when required to do so by the government,
3. to verify the existence and condition of an account for a third party (such as a credit bureau) as permitted by law,
4. when we partner with other businesses to offer a broader array of products and services.

Selection of Business Partners.  NCFCU will only partner with businesses that follow strict confidentiality requirements. The businesses that we select will offer products designed to enhance our members’ economic well-being. Under no circumstances will we authorize these firms to charge credit union accounts without members’ consent, and we will not sell member information to telemarketing firms.

Updating Personal Information.  Remember, you have the opportunity to review and make changes to your personal information at any time. (Some changes may require documentation).

Internet security is of particular concern when using the Internet for financial transactions. A site (both financial and non-financial) is considered secure if all sensitive information that is transmitted between the user’s browser and the owner of the site is encrypted (scrambled so that someone looking can not read it). At NCFCU, we use encryption for Internet activity that involves the exchange of sensitive information. Therefore, Online Banking, Online Loan Applications, and the message system that is contained within Online Banking are encrypted. Other areas of the NCFCU Web site are not.

E-mail:  Information sent via email may be used by NCFCU to answer questions, address member suggestions, or update member information. Generally, email, other than the mail system that is contained within Online Banking, is not secure against interception. You should refrain from sending emails to the credit union or anyone else that contain account numbers, Social Security numbers, PINs, etc.

NCFCU Web Site:  Since most areas of the NCFCU Web site do not involve the exchange of information between NCFCU and our members, it is not necessary to use encryption to transfer this information. We do, however encrypt any areas that involve the transfer of information such as Online Banking and the Online Loan Application.

Online Banking Security:  For the member's protection, Online Banking employs two forms of security: Dual Password Protection and Data Encryption.

Dual Password Protection requires the user to enter a second password, in addition to the four digit PIN to ensure account information is not accessed by unauthorized users.

Data Encryption is a process that transposes the information sent from our server to your browser into a code that cannot be understood or altered without using a "key." The "key" deciphers the information from our server to be able to display on your browser.

Currently, there are two levels of RSA data encryption that our server will provide, 40-bit and 128-bit. 40-bit data encryption is the standard method that is used all over the world for electronic commerce. Only 40-bit data encryption is currently available for users outside of the United States. If you live within the United States, you should be able to download the 128-bit (Domestic) version of Netscape Communicator or Internet Explorer, or purchase Netscape or Internet Explorer from a retail computer store. If you live outside of the United States, you can download the 40-bit (Exportable) version of Netscape Communicator or Microsoft Internet Explorer. If you already have the "standard" version of Netscape Communicator or Microsoft Internet Explorer, you are protected by the 40-bit security by default.