We collect nonpublic personal information about you from the following sources:

	Information we receive from you on applications and/or other forms; Our online forms are provided by IsSecure to provide the best possible online security solution for our members.
	Information about your transactions with us, our affiliates, or others in order to carry out a service; and
	Information we receive from a consumer-reporting agency for loan applicants. ( Terms and Conditions Loan Disclosure )

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we need information about you to complete your transactions and to provide you with certain financial opportunities. In order to do this, we have made agreements with other specialized companies that provide services for us and/or financial products for your consideration.

Under these arrangements, we may disclose all of the information we collect, as described above, to companies that perform these services on our behalf. To protect our members’ privacy, we only work with companies that adhere to strong confidentiality protections and extremely limit the use of information we provide. We do not permit these companies to sell, share, or trade to other third parties the information we provide to them.

We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your authorized instructions, or protect the security of our financial records.

If you terminate membership with Graphic Arts Credit Union, we will not share information we have collected about you, except as permitted or required by law.

Access to nonpublic personal information, about you, is restricted to those employees who have specific business purposes. Our employees are trained in the importance of maintaining confidentiality and member privacy. To protect your nonpublic personal information, we maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices. If you feel that Graphic Arts Credit Union is not handling your membership and your nonpublic personal information with appropriate confidentiality or accuracy, please call 713.520.5060.

We reserve the right to change our privacy policy. A revised policy statement will only apply to data collected subsequent to its effective date. Any revisions will be posted at least 30 days prior to its effective date.