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  Privacy Policy


Thank you for viewing our privacy statement.

Privacy Policy

Energy Capital Credit Union is committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities.

In recognition of your expectation of privacy of your non-public personal information entrusted to us, the Credit Union has adopted the following privacy policy which governs how we collect, use and safeguards your personal and financial information. If you have any questions, please contact a Member Service Representative at 1-832-604-4848.

 

Website Visitors

Visitors to our website remain anonymous. We do not collect personal identifying information about visitors to our site. Our server collects industry standard non-identifying information about visits to the site, such as IP number, city, state, country, date and time. This information is used to compile traffic analysis on our website usage.

 

Information We Collect About You

We collect non-public personal information about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us, our affiliates or others; and
  • Information we receive from a consumer-reporting agency.

 

Use and Disclosure of Personal Information

We may disclose the following kinds of non-public personal information about you:

  • Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income;
  • Information about your transactions with us, our affiliates or other companies that work closely with us to provide you with financial products and services, such as your account balances, payment history, parties to transactions, and credit card usage;
  • Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.

Third Party Disclosure

We may disclose non-public personal information about you to the following types of third parties:

  • Financial service providers, such as mortgage bankers, securities broker-dealers and insurance agents;
  • Non-financial companies, such as retailers, airlines, publishers permitted by law;

To protect our members' privacy, we only work with companies that perform marketing or other services on our behalf or other financial institutions with whom we have joint marketing agreements that agree (i) to maintain strong confidentiality protections, (ii) to limit the use of information we provide, and (iii) not to sell the information provided to third parties.

 

Opt-Out Right  

If you prefer that we do not disclose non-public personal information about you to nonaffiliated third parties, you opt out of those disclosures. If you wish to direct us to not make disclosures (other than those permitted by law), you should do one of the following:

You may opt out of these disclosures at any time. This opt out option, by law, will not apply to disclosures that we make to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with us.

Once we receive your request not to make further disclosures, we will act as quickly as possible to stop disclosures. You may contact us for assistance if you wish later to revoke your opt out decision.

Any one of multiple account owners may exercise the right to opt out, even if he/she is not actually a member of the Credit Union. Energy Capital Credit Union will treat an opt out request from any one of the account holders as if all of you directed us to not make disclosures to non-affiliated third parties to which the opt out right applies.

Disclosure of Information About Former Members

If you decide to terminate your membership, or become an inactive members, we will adhere to the privacy policies and practices described in this notice.

How We Protect Your Information

Energy Capital Credit Union restricts access to your personal and account information to those employees who need to know that information to provide products or services to you. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your non-public personal information.

 

Third Party Link Disclaimer

Our website may contain links to other sites. Please be aware that we are not responsible for the privacy policies of such other sites. When you click on a link and leave our site, we encourage you to read the privacy statement of every website that collects personal information. Further, a link to Energy Capital Credit Union does not constitute the Credit Union's endorsement of the linked site, the products presented on the site or a guaranty of the accuracy of the information contained on the site.

 

Children's Online Privacy Protection Act (COPPA)

Energy Capital Credit Union does not knowingly collect, maintain or use personal information from our website about children under 13 years of age, and this website is not designed to attract children. If a child under 13 sends personal information online, we will only use that information to respond directly to the child, notify parents, or seek parental consent.

 

Privacy Policy    Third Party Links