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WCTA Federal Credit Union is committed to protecting our members' privacy. We only collect and maintain information about you that is appropriate for prudent business purposes. We will hold your nonpublic personal information in confidence, subject to applicable legal requirements and standards. To assure the continued privacy and confidentiality of your personal financial information, WCTA Federal Credit Union observes these practices and procedures: 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. We may obtain consumer information from reputable companies to assist us in our marketing and product development efforts. Upon request we will provide the source of this information to interested parties. We do not disclose nonpublic personal information about our members or former members to anyone, except as permitted by law. The following are some examples of when we may disclose nonpublic personal information about our members: When a third party is verifying the existence or condition of an account in accordance with applicable law, When necessary to complete a transaction, To protect secured assets or the assets of WCTA, When reporting transaction or experience information to consumer reporting agencies, such as the credit bureaus. 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 which we have joint marketing agreements, provided that these companies are prohibited by contract from using the information for any purpose other than that for which they have been contracted. WCTA employees and volunteers are required to hold in confidence all WCTA transactions with members and all information in regards to members' personal business. All employees and volunteers are required to report any actual or threatened unauthorized release of confidential information and take steps as may be immediately available to prevent or to halt such release. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.