Williamsville Federal Credit Union is owned by its members and is run by the Board of Directors that you have elected. You can be confident that your privacy is a top priority of this credit union.

We are required by law to give you this notice to explain how we collect, use and safeguard your personal financial information.

We are committed to providing you with competitive products and services to meet you financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.

Under these agreements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information that we provide to them.

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, our affiliates, or others.
• Information we receive from a consumer reporting agency.

We may disclose the following kinds of nonpublic 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 others, such as your
  account balance, payment history, parties to transactions, and credit card usage.
• Information we receive from a consumer reporting agency, such as your credit worthiness and
  credit history.

We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law.

We may disclose nonpublic personal information about you to the following types to third parties

• Financial service providers, such as mortgage bankers and insurance agents.
• We may also disclose, and do make disclosures of nonpublic personal information about you
  to non-affiliated third parties as permitted by law.
• We may disclose all of the information we collect, as described above to companies that
  perform marketing services on our behalf or to other financial institutions with whom we have
  joint marketing agreements.

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, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.