Quorum Federal Credit Union, your member owned financial institution, is committed to providing financial products and services to meet your needs and reach your financial goals. We are equally committed to protecting our members' privacy. You can be confident that your financial privacy is a priority of this Credit Union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a Member Service Representative at (800) 874-5544.

Information We Collect and Disclose 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 transactions with us or others;

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.

We may disclose all of the information we collect, as described previously and permitted by law, to companies that perform marketing services on our own behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we only work with companies who agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the member information we provide to other third parties.

In order to conduct the business of the Credit Union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our Credit Union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with Quorum Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

Cookies
Cookies are pieces of information stored directly on the computer you are using. Quorum Federal Credit Union utilizes a browser-based secure cookie containing an individualized credential (ID), which is stored on your computer to authenticate a user upon login to Online Banking and Bill Payment.   This cookie is only used to support your Online Banking activities. We do not disclose cookie information to nonaffiliated third parties. If your browser is not set up to accept cookies, you will be unable to access Online Banking and Bill Payment. If you are using a computer that is not yet enrolled in Enhanced Login Security, because you did not enroll yet or you cleared your cookies since enrolling, you will be required to answer challenge questions.

How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

How to Protect Privacy
The Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

Protect account numbers, card numbers, Personal Identification Numbers (PINs) and passwords. A PIN should never be kept with an ATM/Check or credit card, which can provide access to accounts if the card is lost or stolen.

Members should use caution when disclosing account numbers, social security numbers, etc. to other persons. Member should beware if someone calls and explains the call is on behalf of the Credit Union and asks account number information. Official Credit Union staff will have access to information and will not need to ask for it.

Keep your information with the Credit Union current.  If fraudulent or unauthorized activity or use of an account is detected, the Credit Union will attempt to contact the member immediately.