Privacy Policy
What does Workers Credit Union & Workers Financial Services 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 credit history
- Account transactions and Payment history
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 Workers Credit Union and Workers Financial Services chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Workers 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 - 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 experience | Yes | No |
| For our affiliates' everyday business purposes -information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market you | Yes | Yes |
To Limit Our Sharing
Call our Member Information Center at 978-345-1021 or 1-800-221-4020 (for non-local in MA and NH) to inform us of your choices. Please note: If you are a new member/customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member/customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call toll-free 1-800-221-4020 or 978-345-1021 or go to www.wcu.com.
What We Do
How does Workers Credit Union and Workers Financial Services 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Workers Credit Union and Workers Financial Services collect my personal information? We collect your personal information, for example, when you:
- Open an account
- Make deposits or withdrawals from your account
- Apply for insurance or a loan
- Use your credit or debit card
- Show your government-issued ID
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 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.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account – unless you tell us otherwise.
Definitions
Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.
Our affiliates include:
- Financial companies such as: Workers Credit Union, Workers Financial Services, doing business as Workers Insurance Agency and its subsidiaries the Braley & Wellington Insurance Agency, the C.D. Whitney Insurance Agency, the Hernan B. Conant Insurance Agency, and the P.J. Ferguson
Nonaffiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.
- Nonaffiliates we may share with can include direct marketing companies, insurance providers, check printers and government agencies.
Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include insurance companies, credit card providers, security brokers, and dealers.
Other important information
We comply with the standards of the Commonwealth of Massachusetts for the protection of your personal information.
For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.
For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.
Concerned about security?
The privacy of the communications between you (your browser) and our servers is ensured using cryptography. Cryptography scrambles messages exchanged between your browser and our online banking server. Encryption happens as follows: When you go to the sign-on page for Home Banking or eStatements or submit one of our applications, your browser establishes a secure session with our server. The secure session is established using a protocol called Secure Sockets Layer (SSL) Encryption. This protocol requires the exchange of what are called public and private keys. Keys are random numbers chosen for that session and are only known between your browser and our server. After the keys are exchanged, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our server. Both sides require the keys because they need to de-scramble (decrypt) the messages when they are received. The SSL protocol not only ensures privacy, but also ensures that no other browser can “impersonate” your browser, nor alter any of the information sent. You can tell whether your browser is in secure mode by looking for the secured lock symbol at the bottom of your browser window. The numbers used as encryption keys are analogous to combination locks. The strength of encryption is based on the number of possible combinations that a lock can have. As the number of possible combinations grows, it becomes less likely that anyone would be able to guess the combination in order to decrypt the message. Today’s browsers offer 40-bit encryption or 128-bit encryption. Our servers are compatible with both, however we recommend the use of 128-bit capable browsers.
Need more information?
Call our Member Information Center at 978-345-1021 or 1-800-221-4020 (for non-local in MA and NH). For your convenience, the Member Information Center is open Monday through Friday, 8:00 AM to 6:00 PM and Saturday 9:00 AM to 12:00 PM.