Privacy Policy

Notice of Privacy Practices for Credit Union Members

We at San Joaquin Power Employees Credit Union value the privacy of our members. You have chosen to do busi­ness with us, and we recognize our responsibility to keep the information  you provide to us secure and confiden­tial. We believe that all personal financial information specific to you that you provide San Joaquin Power Em­ployees Credit Union through any channel constitutes personal information. Protecting your privacy, along with your financial assets is our top priority. San Joaquin Power Employees Credit Union is committed to servicing all the financial needs of its members.

This privacy policy explains how we protect  the privacy of your personal information and when we release infor­mation  about  you  under  certain situations, such as to maintain your account, or other circumstances as required or permitted by law.

Information We Collect and Disclose to Others

In the course of doing business, we collect and use vari­ous types of information, such as information available from public records  as well as information you provide to us. We may also access information about you, such as credit re­ ports, when considering a request from you for additional services or when exercising our rights under the law or any agreement with you. In addition, we collect informa­tion about you from the following sources:

  • Information we receive from you on applications and other forms you submit to us, such as your name, address and social security number.
  • Information about your transactions with us, our affiliates or  others such  as account balances  and payment history.
  • Information we  receive  from  credit  reporting agencies,  such as your  credit worthiness and credit history.

We may also disclose all of the information that we collect as described  above. We do not disclose any nonpublic personal information about  our  members  and former members to anyone, except as permitted by law.

Sharing Information with Third Parties

We may disclose nonpublic personal information about you to financial service providers such as Insurance agents. We may also disclose non public personal Information about you to non affiliated third party processors  as nec­essary to  complete  transactions, maintain accounts and records, and as permitted by law.

We may d1sclose all the information we collect as described above, to financial Institutions with whom we have joint marketing agreements. We may also disclose information about you under other  circumstances, as permitted or required by law.

Confidentiality and Security of Information

Keeping your financial information secure is an important responsibility that is taken seriously at San Joaquin  Power Employees Credit Union. We value your trust and handle your information with care. 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. Our policies and procedures emphasize the importance of keeping our members’ information con­fidential. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Accuracy of Information

We make every effort to ensure that our records contain accurate, current and complete information. If you find that your account information is inaccurate, please call us at (559)  230-5080  or you may write us at P.O. Box  16039, Fresno, CA 93755. We will promptly investigate and make any necessary changes to  update our  records.

Termination of Membership

If you decide to terminate your membership with San Joaquin Power Employees Credit Union, we will not share information we have collected about you. except as may be permitted or required by law.