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We want you to be aware of our policies with respect to the disclosure of non public personal information about you that we have collected from you or others in connection with the financial products and services that we provide to you. We recognize that the confidentiality of this information is extremely important to you and we hope that the information in this notice will assure you that we keep this information confidential as described herein.

Information We Collect About You

We collect nonpublic 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.

Information We Disclose

We may also disclose all the information we collect, as described previously and as permitted by law, 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 we provide. We do not allow these companies to sell to other third parties the member information we provide.

We may also disclose nonpublic personal information about you to nonaffiliated third parties as 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, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.


Disclosure of Information About Former Members

If you terminate your membership with Luso-American Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

We are available to answer any questions which you may have concerning our policies with respect to your non public personal information. You may call our Member Service Representative at (978) 531-5767.



For each visitor to the Luso-American Credit Union's web site, his or her identity will remain anonymous. We do not collect personal identifying information about visitors to our site.

Our servers collect standard non-identifying information about visits to the site, such as date and time visited, IP address, city, state, and country. This information is used to compile standard statistics on site use.

If you have provided personal identifying information via e-mail (such as name and address), the information will only be used to communicate with you to handle your request. It is not sold or transferred to other parties.

Luso-American Credit Union advises its members to never share their online account password or ATM Pin with anyone. Members should also change their password regularly and remember to sign off of our Web site and their computer.

We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and the responsibility to do so rests with both the online industry and parents.

E-mail: Luso-American Credit Union may use feedback information from members and non-members to respond to inquiries, comments or suggestions. This information is never sold, given, or disclosed to third parties.

Luso-American Credit Union is committed to protecting your privacy.



The Luso-American Credit Union has an obligation to its members to ensure that their account information is not improperly disclosed. To avoid this risk the Luso-American Credit Union has developed the following policies and procedures:

1. Employee training to ensure that all employees are aware of their responsibility to safeguard members financial information and also to educate employees about the tactics used by information brokers to fraudulently obtain members confidential information.

2. The Luso-American Credit Union prohibits the release of information over the telephone, unless the proper authorization code is provided. If this code has not been set up by the member, the caller ID system will be used. If the number differs from that in the customer's account records, the employee should not disclose the requested account information without taking further steps to verify that the customer made the request. All customer information will be held in a secure location. All illicit attempts to obtain members information will be reported to the proper authorities.