Collection of Information | Retention of Information | Copyright | COPPA | Privacy Notice | USA Patriot Act

Online Policy

How we handle the information we gather when you visit our web site.

Collection and release of gathered information: <top>

We want to make it clear that we will not obtain personal identifying information about you when you visit our web sites, unless you choose to provide such information to us. We do not attempt to identify individual users or share any information we receive with any parties outside of NM ENERGY FCU. The only exceptions to this are:

Retention of collected information: <top>

Cookies - Some applications may save a "cookie" on your computer's hard disk to provide a temporary history of actions taken. A common example is the tracking of items placed in an online "shopping basket." We do not retain any record of "cookies" beyond what is necessary for running the application.

Copyright: <top>

• All content provided on this web site, including but not limited to button icons, formatting, graphics, images, logos, software, and text, is copyrighted by NM ENERGY FCU or its customers under United States law and is protected by worldwide copyright laws and treaty provisions. Any reproduction, modification, storage in a retrieval system or retransmission, in any form or by any means, electronic, mechanical, or otherwise, for reasons other than personal use, is strictly prohibited without prior written permission.
• You are welcome to make a link to any of the NM ENERGY FCU web pages published on the Internet. There is no need to request permission.
• Use of the NM ENERGY FCU logo is prohibited.

COPPA: Compliance <top>

NM ENERGY FCU does not operate a commercial Web site directed to children under 13. We do not collect personal information from children. We do not have actual knowledge that we are collecting personal information from children. If at a future date NM ENERGY FCU establishes or provides services on a web site that in anyway meets the criteria of the Act, NM ENERGY FCU will ensure that full compliance is met by NM ENERGY FCU in every aspect of the Act. Compliance


Privacy Notice

An important notice about the information your credit union collects and how we use it to provide financial products and services to meet our membership's financial goals.

This notice meets the notification requirements of the National Credit Union Administration regulation on privacy of consumer information Part 716 of their regulatory code.

To ensure the privacy and confidential nature of your personal financial information, your credit union observes these practices:

OUR SECURITY PRACTICES

Access to nonpublic information is restricted to those employees who need to have that information in order to provide products or services to you. We maintain physical and electronic practices and procedures that comply with Federal regulations and leading industry practices to guard current and former member's nonpublic personal information. Our employees are trained about the importance of maintaining confidentiality and member privacy.

INFORMATION WE COLLECT

We collect nonpublic information about you from some of the following sources:

INFORMATION WE DISCLOSE

We may disclose nonpublic information we collect about our members only to companies that perform marketing services or provide services on our behalf such as financial services providers including mortgage bankers and insurance agencies. These companies must protect the data given to them and may not share it with or sell it to others. To protect our member’s privacy we only work with companies that agree to maintain strong confidentiality protection and limits on the use of the information we provide to them.

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

If you have any questions concerning this notice please call us at (505) 845-6939.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

WHAT YOU CAN DO TO HELP PROTECT YOUR PRIVACY

New Mexico Energy Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your 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, explains the call is on behalf of the Credit Union and asks for your account number, you should beware. Credit Union staff will not need to ask for your information.

Keep your information with us current. 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. If your address or phone number changes, please let us know.

If you have questions concerning this notice, please do not hesitate to call us – we are here to serve you.

YOUR PRIVACY CHOICES

Under certain circumstances, federal laws give you the right to instruct financial companies not to share some of your information. This is referred to as “opting out” of information sharing. The laws also permit financial companies to share certain information about you without permitting you to opt out. Generally, this type of information sharing is necessary for normal business such as maintaining your accounts complying with your requests, complying with the law or offering you additional products and services. New Mexico Energy Federal Credit affiliates only share information with third parties for normal business reasons. Therefore, you may not be able to “opt out” of any of our information sharing activities.

Despite our limited sharing practices, non-affiliated third parties can still obtain information about you from consumer reporting agencies and other outside sources to market their own products and services. If you wish to limit their ability to obtain and use your information for marketing purposes, call 1-888-5-OPTOUT (1-888-567-8688). This service instructs credit reporting agencies not to share your information with third parties in connection with pre-approvals for insurance or credit cards. You may also choose to send your request to be added to the OPT OUT list by mail. For the addresses of the three credit reporting agencies, please see below.

USA Patriot Act

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.