Privacy Policies

Website Privacy Policy

Our Online Privacy Practices

Keeping financial and personal information secure is one of our most important responsibilities. OTIS Federal Credit Union is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other Credit Union services.

Secure Transmissions

To ensure that information remains confidential, OTIS Federal Credit Union uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.

Email Security

Regular internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number, or PIN through unsecured email. We ask that you do not send personal or account information through regular email.

Cookies

A cookie is a small piece of information that a website stores directly on the computer you are using. Cookies may contain a variety of information from a simple count of how often you visit a website to information which allows customization of a website for your use. OTIS Federal Credit Union uses cookies to gather data about the usage of our website and to ensure that you have access to your account information. Any time a cookie is used, personal information is encrypted for our use only and is protected from third party access (a cookie cannot be read by a website other than the one that sets the cookie).

Linking to Other Sites

To provide you with easy access to information, OTIS Federal Credit Union may provide links to other websites such as mortgage companies, insurance companies, government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and OTIS Federal Credit Union does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by OTIS Federal Credit Union. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal, non-public information.

Personal Information Privacy Policy

FACTSWHAT DOES OTIS FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
WHY?Financial companies choose how they share your information. Federal law gives members 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 products or services that you have with us. This information can include:Social Security number and income

  • Account balances and payment history

  • Credit history and credit score

HOW?All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons OTIS Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes OTIS FCU 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 bureausYES
NO
For our marketing purposes–to offer products and services to you


YES
NO
For joint marketing with other financial companies

YES
YES
For our affiliates’ everyday business purposes–information about your transactions and experiences

NO
We don’t share
For our affiliates’ everyday business purposes–information about your creditworthiness

NO
We don’t share
For nonaffiliates to market to you

NO
We don’t share
Who is providing this notice?OTIS Federal Credit Union

How does OTIS 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.We restrict access to nonpublic personal information about you to persons who need to know that personal information to provide products or services to you.
How does OTIS Federal Credit Union collect my personal information?

  • We collect your personal information, for example, when youOpen an account or deposit money

  • Pay your bills or apply for a loan

  • Use your credit card or debit card


We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?

  • Federal law gives you the right to limit onlySharing 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

Definitions 
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Questions?

Call (207) 897-0900 or go to www.otisfcu.coop