Privacy Policy

Your Privacy: Atlantic Regional Regional Federal Credit Union (your member-owned financial cooperative) is committed to protecting the personal privacy of the visitors to our website and the confidentiality of member information, and to limiting the collection and storage of personal information to that which is necessary for us to administer our business and provide members with quality service. This statement is intended to outline the information Atlantic Regional will collect and how we will use that information, and to generally describe how such information is kept secure.

Atlantic Regional is committed to providing members with competitive products and services to meet their financial needs and help them reach their goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to publish this privacy notice. It describes the 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. These practices are followed by the Credit Union.

If after reading this notice you have questions, please call us at: 207-725-8728 or 1-800-834-0432 or write to: Atlantic Regional Federal Credit Union, P.O. Box 188, Brunswick, ME 04011

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.

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

Disclosure of Information to Parties That Provide Services to Us: 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.

Disclosure of Information About Former Members: If you terminate your membership with Atlantic Regional Federal Credit Union we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information: We restrict access to nonpublic personal information about you to persons who need to know that personal 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.

What Members Can Do to Help: Atlantic Regional is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to accounts if your card is lost or stolen.
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!

Atlantic Regional�s Online Security Measures: The goal of Atlantic Regional is to provide our members with the convenience of Internet delivery channels and to maintain the privacy of their confidential information. Atlantic Regional�s CU-Online� home banking application uses industry standard security features, as outlined below, to assure the confidentiality of this information. Access to your accounts through CU-Online� is provided only after your application is verified.

Atlantic Regional�s online membership and loan applications areas use secure communication, which means that they will only allow browsers that support Secure Socket Layers (SSL). SSL ensures that electronic data communicated between your browser and Atlantic Regional sites cannot be read by a third party even if the data is intercepted. Atlantic Regional suggests that you use a browser with 128-bit encryption, readily available from manufacturers such as Netscape� or Microsoft�.
CU-Online� home banking requires that you enter your member number and Personal Identification Number (PIN) to verify your identity. The application denies access after a certain number of invalid attempts.
Atlantic Regional�s CU-Online� home banking application has a timer that will end your session if you do not interact with the site for a predefined period of time.
Atlantic Regional�s CU-Online� home banking application uses a state-of-the-art firewall that serves as a control point to stop invasive data from entering our systems and assuring that only authorized data leaves our systems.
Atlantic Regional�s CU-Online� home banking application uses the services of VeriSign's� Global (128-bit) ID service. (VeriSign� is a leading provider of encryption technology for secure transmission of data in an electronic commerce environment.) This service allows us to exchange information with members world wide using 128-bit encryption.

Maintenance of Accurate Information: Atlantic Regional commits to maintaining accurate and complete financial information for our members. If, for any reason, you feel the information we have on your relationship with Atlantic Regional is not accurate or is incomplete, please contact us immediately at 55 Cushing Street, P.O. Box 188, Brunswick, Maine 04011, or phone (207) 725-8728, or 1-800-834-0432.

Atlantic Regional Federal Credit Union's Privacy Policy is subject to change at anytime without notice. No provisions contained herein shall be determined to change or alter any other contracts or policies between Atlantic Regional Federal Credit Union and its members.


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