Clarke Community FCU is committed to protecting the privacy of our members. Under federal law, we are required to provide to our members a privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.
If after reading this notice you have questions, please contact us at:
(706) 543-7450
or write to:
Manager
Clarke Community Federal Credit Union
155 Hawthorne Park
Athens, GA 30606

Information We Collect About You
We collect nonpublic personal information about you from the following sources:
· Information we receive from you on applications and other forms
· Information about your transactions with us
· Information we receive from a consumer reporting agency
· Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.
We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us
We may disclose nonpublic personal information about you to the following types of third parties:
· Financial service providers, such as insurance companies, and mortgage service companies
· Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers, plastic card processors and direct marketers.

Disclosure of Information to Parties That Provide Services to Us
In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions, which we have joint marketing agreements with so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under 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 instructions as you authorize or protect the security of our financial records.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members
If you terminate your membership with Clarke Community FCU, we will not share information we have collected about you, except as may be permitted by law.

How We Protect Your Information
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. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Federal law requires all financial institutions to notify applicants that they will obtain, verify, and record information that identifies each person who opens an account or applies for a loan. When you open an account or apply for a loan we are now required to ask your name, address, date of birth, and other information that will allow you to be identified as the applicant. In addition, we will ask to see your driver’s license or other identifying documents in order to verify this information.

What Members Can Do to Help
Clarke Community FCU is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
· Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
· Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
· Let us know if you have questions. Please do not hesitate to call us-we are here to serve you!

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