Thank You for visiting Jack Daniel Employees’ Credit Union’s web site and reviewing our privacy policy. Jack Daniel Employees’ Credit Union is committed to protecting the privacy of our members and preserving your trust. Under federal law, we are required to provide you this privacy notice. It describes our credit union’s privacy policy and practices concerning the personal information we collect and disclose about our members. In general, you can visit us on the World Wide Web without disclosing to us who you are or revealing any information about yourself. There are several areas, however, that will collect certain information about you and we want you to know how we handle that information.

If after reading this notice you have any questions, please contact us by phone at:
(931)759-6157 or (931)759-6298 or write to:
Jack Daniel Employees’ Credit Union, attn: Pam Case
P.O. Box 199
Lynchburg, TN 37352

General Information We Collect About You
We collect information about you from the following sources:

• Information we receive from you on applications and other forms, such as name, address, and social security number.
• Information about your transactions with us or others, such as account balance and payment history.
• Information we receive from a credit reporting agency, such as your credit worthiness and credit history.
• 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 above, as permitted by law.

Parties Who Receive Information from Us
We may disclose nonpublic personal information about you to the following types of third parties:

• Financial companies, such as insurance companies, credit card servicing companies, check printers, and data processor;
• Non-financial companies such as consumer reporting agencies, data processors, check/share draft printers, plastic card processors, and government agencies.

Disclosure of Information to Parties that Provide Services to Us
We may also disclose 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.

Disclosure of Information about Former Members
If you decide to terminate your membership with Jack Daniel Employees’ Credit Union, we will not share information we collect about you, except as may be permitted or required by law.

How we protect your information
We restrict access to 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 information.

What Members Can Do to Help
Jack Daniel Employees’ 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, and PINs (personal identification numbers). Never keep your PIN with your credit card. This could provide free access to your account 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. Official credit union staff will have access to your information and will not need to ask for it.
• Keep your information with us current. It is important 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.
• Let us know if you have questions. Please do not hesitate to call us – we are here to serve you!

Children
Jack Daniel Employees’ Credit Union does not knowingly collect personal data from children under the age of eighteen on our web site. If you are under eighteen, please do not give us any personal data. If you have reason to believe that a child has provided personal data to Jack Daniel Employees’ Credit Union through this web site, please contact us, and we will endeavor to delete that information from our databases.

About our Web Site
Our home banking database or CU at Home is a private system operated for the exclusive use of our members. We use SSL encryption and digital server authentication to insure the privacy of your information when sending data between our home banking server and your home computer.

If you visit a secure site, such as CU at Home, you will be asked for personal information numbers which will give you access to the member only section of our website. This information enables us to regulate entry to the member only portions of our website and to store certain information such as how often you visit the home banking section, dates and times of visits and which pages are being used. Any identifying information gathered is used for internal review and product evaluation only and is not sold to third parties.

We use “cookies” to help us administer the CU at Home section. Some browsers allow you to reject cookies from servers. If you don’t allow us to set a cookie upon entering the site, you will not be able to log in. The cookie we set contains information we need for security, and allows us to “time out” your authority to view information. We place the cookie with instructions that it can only be sent to a server in our home banking domain (homecu.net). A cookie cannot be used to extract data from your PC. We do not store your Access Code, User ID, or Password in your cookie.

We may gather and store additional information available to us on failed login attempts and other activity we consider a threat to our system. In these cases, we will share this information with other companies, agencies and law enforcement officials as we see fit.

If you send an e-mail, we store personally-identifying information in order to process your e-mail, form or application, and respond according to the information you have requested. Due to the volume of e-mail activity, these messages are deleted after they are answered or completed. If communication is very sensitive or includes personal information like your credit union account number or social security number, you may want to send it by postal mail or telephone instead of by e-mail.

Links
JDECU’s web site contains links to other sites. Please be aware that we are not responsible for the privacy practices, content or operation of such other sites and we ask that you read the privacy statements of each web site to determine what personally identifiable information may be collected. These links are provided for your reference and convenience only. If you link to another site from any of our pages, you are leaving our site pages, and we cannot be held responsible for any information that may be gathered at a linked site.

Surveys
From time-to-time, JDECU may request information from members via surveys on its web site. Participation in these surveys is completely voluntary and the member therefore has a choice whether or not to disclose this information. Survey information will be used for purposes of monitoring or improving the use and member satisfaction of JDECU’s web site and other Jack Daniel Employees’ Credit Union products and services.