It is our mission to provide you with quality, attentive and accurate service, which includes being extremely sensitive to confidential information. We also want to arm you with the education you need to help protect yourself from identity theft and fraud.  Financial information or any information relating to the Credit Union or any of our members is held in the strictest confidence and used only for legitimate Credit Union purposes. The following policy serves as standard for all NRL Federal Credit Union employees for collection, use, retention, and security of nonpublic, personal information.

What Information We Collect
We may 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.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, and transaction history.

What Information We Disclose
We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose the above listed nonpublic personal information about you to our affiliated companies and to third parties to assist us in servicing your account with us and to government entities in response to subpoenas. We may also disclose personal financial information we collect about you as necessary to process and service transactions generally, to effect, administer or enforce a transaction requested or authorized by you or for reasons authorized by law and regulations.

If you decide to close your account or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedures
We also take steps to safeguard member information. We restrict access to your personal and account information 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 standards to guard your nonpublic personal information. We have strict policies about the access, security, storage and destruction of our member information.

• We hold our employees and vendors accountable for adhering to those policies.
• We do not sell information about our members to anyone.
• We share information only in accordance with our policies and applicable law.

Contact Us
We believe it is very important that your level of trust in NRLFCU remains high. Without your confidence, we would not be able to adhere to the credit union philosophy of People Helping People or our mission to be Trusted Partners for Life. We will continue to provide you with the best possible service in terms of technology and personalized attention.

If you have questions concerning the privacy of your personal information or if you need to correct information we have on file, please contact NRL Federal Credit Union at 301-839-8400 or 800-526-6661 or write to us at P.O. Box 1026, Oxon Hill, MD 20750.

NRL Federal Credit Union maintains this Internet web site as a service to the credit union membership. NRLFCU will use reasonable efforts to include accurate and up-to-date information, but makes no warranties or representations as to its accuracy or completeness.

NRLFCU takes care to respect the privacy of its on-line visitors. Information that can identify an on-line visitor is collected at http://www.nrlfcu.org/, Online Access and our Online Credit Card site only when voluntarily offered by the visitor. We may, from time to time, collect non-personal information from on-line visitors to the sites in aggregate form and identify the type of Internet browser (e.g. Netscape, Internet Explorer) and operating system (e.g. Windows 95, Macintosh, etc. ) used by the visitor. This information allows us to improve our site, collect statistics on which site services are used and count the number of visitors to our site pages.

Information that can identify a visitor, such as name or address is collected when volunteered by the site visitor on the My NRLFCU, guest registration, information request, applications, comment forms and other forms. NRLFCU does not use, sell or disclose any information collected for any purpose that does not directly relate to the normal conduct of member and credit union business.

 

NRLFCU uses high level encryption during your visits to Online Access. This is provided by the browser you select. We require you to obtain and use a browser from Netscape or Microsoft that supports 128-bit "domestic" (U.S. grade) encryption.

If you used a 40-bit encrypted browser, there are more than 1,000,000,000,000 possible keys, with a 128-bit browser there are 2 to the 88^th power times as many key combinations.

NRLFCU provides access to other web sites through links. NRLFCU takes no responsibility for the availability of these sites or for the information content located on any site domain other than nrlfcu.org.

If your browser supports "cookies," an Internet security feature, you need to allow these cookies to be set. If your browser is configured NOT to accept cookies, it must be reset to allow them before you may access your account information. Cookies from Online Access are necessary to establish a secure connection between your personal computer and our Internet server. When sensitive information is included in the cookie, the cookie is encrypted. These cookies are only stored in your personal computer for this session and expire as soon as you exit.

While NRLFCU takes great care to protect your information and keep it secure, you are responsible for securing your credit union information on your personal computer. You should choose a good password that you can remember without writing down. Change it regularly. Never tell anyone your password. Employees of NRLFCU never need to know your password to assist you.

It is important to sign off when you finish your business. Use the EXIT button to leave your account, then EXIT a second time to leave the Online Access server. If you forget to do so, NRLFCU automatically signs you off after 18 minutes. Once logged out, no one can press the "back" key in the web browser to view account information.