Website Privacy Policy

Menu

Privacy Notice and Disclosure

At the Lisbon Community Federal Credit Union (LCFCU), your privacy is very important to us. This Privacy Policy is intended to disclose how we treat the information you provide to us through the LCFCU.

FACTS

 WHAT DOES LISBON COMMUNITY FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Why?

 Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and (income)
  • Account balances and payment history
  • Credit history and credit score

When you are no longer a Member, we continue to share your information as described in this notice.

How?

 All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Lisbon Community Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Lisbon Credit Union share?

Can you limit this sharing?

For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

 Yes No
For our marketing purposes—
to offer our products and services to you 		Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes—
information about your transactions and experiences		 No We do not share
For nonaffiliates to market to you No We do not share

Questions? Call (207) 353-4144 or email us at memberservices@lisboncu.org

Who we are

Who is providing this notice?

Lisbon Community Federal Credit Union.

What we do

How does Lisbon Community Federal Credit Union protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Lisbon Community Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

  • Open account or deposit money

  • Pay your bills or apply for a loan

  • Use your credit or debit card

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes—information

    about your creditworthiness

  • affiliates from using your information to market to you

  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Lisbon Community Federal Credit Union has no affiliates

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include companies such as insurance agents and mortgage brokers

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include insurance agents and mortgage brokers

Website Privacy Notice

At the Lisbon Community Federal Credit Union (LCFCU), your privacy is very important to us. This online Privacy Policy is intended to disclose how we treat the information you provide to us through the LCFCU website.

General

As a general policy, LCFCU does not automatically collect personal information from users of its Web site. LCFCU does collect and store: information on the domain a user uses to access its Web site, the Internet address of the Web site from which a user links to the Web site, and the date and time of the visitor's visit to the Web site. This information is used for statistical purposes to measure the number of visitors to its Web site and the route a user travels while within the Web site to better serve users in improved design and site navigation.

Members-Only Areas

Personal identification (i.e. account number, PIN, password) is collected when a valid Credit Union Member with active Credit Union account(s) has registered to enter the secure online banking area of the Credit Union's Web site. This information enables the Credit Union to regulate access of this information to those who request such access and those entitled to perform transactions on these accounts.

Lisbon Community Federal Credit Union does not sell or provide any Member information to any list service

We will disclose information to third parties about your account or transactions you engage in: (a) where it is necessary for completing transactions or (b) in order to verify the existence and condition of your account for a third party, such as a credit bureau, or (c) in order to comply with a government agency or court orders, subpoenas or other legal documents, or (d) if you give LCFCU your permission.

Online Forms

LCFCU provides several online form resources (i.e. loan applications, check re-order forms) to better serve the needs of its Members. Personal information provided by a user via any of the Credit Union's online forms is used by LCFCU only to process the Member's request for service. All information that passes between LCFCU's Web site and the user's PC is encrypted to protect the user's privacy.

E-Mail Communication

Personal information transmitted to LCFCU may be used by Credit Union staff to respond to inquiries for service or information or improve the service the Credit Union provides. Since e-mail communication may not be secure against interception by unauthorized individuals, users should seek alternatives to e-mail when it is necessary to provide sensitive or personal information that can compromise or violate a user's privacy when communicating via e-mail.

Children's Online Privacy

The law requires parental consent to collect or use information from a child under 13. If you are a child under 13, please show this to your parents and do not use the online services of this institution without verifiable parental consent pursuant to the Children's Online Privacy Protection Act.

Website Applications

Credit Union's Loan and Member Application Page are secured and all information entered by the Member is encrypted and e-mailed to a secure server. Only an authorized Credit Union employee can access and print the applications from the secured server to ensure confidentiality.

For additional information about LCFCU's Privacy Policy, please contact a Member Service Representative at (207) 353-4144 or toll-free at (877) 353-4144.