Privacy Policy

What Does NESC Federal Credit Union Do With Your Personal Information?


Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and Income 
  • Account Balances and Transaction History 
  • Credit History and Credit Scores  
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons NESC Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does NESC Federal Credit Union Share? Can You Limit This Sharing?
For our everyday business purposes–
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		 Yes No
For our marketing purposes–
to offer our products and services to you		 Yes No
For joint marketing with other financial companies No We Do Not Share
For our affiliates' everyday business purposes–
information about your transactions and experiences		 No We Do Not Share
For our affiliates' everyday business purposes–
information about your creditworthiness		 No We Do Not Share
For our affiliates to market to you No We Do Not Share
Who We Are
Who is providing this notice? NESC Federal Credit Union
What We Do
How does NESC Federal Credit Union protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
Non-public information is restricted to employees who need to know that information to provide you services.
How does NESC Federal Credit Union collect my personal information?
We collect your personal information, for example, when you:
  • open an account or deposit money
  • apply for a loan or use your credit or debit card
  • give us your contact information  
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes—information about your creditworthiness 
  • affiliates from using your information to market to you
  • sharing for non affiliates to market to you  
State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.

  • NESC Federal Credit Union does not share with our affiliates
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.

  • NESC Federal Credit Union does not share with non-affiliates so they can market to you
Joint marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include Cuna Mutual. 

If you have any questions, please call us at 978-688-8800.


SMS Text Privacy Policy

Information Collection
We collect your phone numbers only when you voluntarily provide them to us.  

Usage of Collected Information
Your phone numbers are primarily used to provide you with personalized communication and service and for anti-fraud verification texts. These text messages may relate to our products, services, discounts, or any updates that we think may interest you.
 
Information Sharing
SMS opt-in and phone numbers collected for SMS purposes will not be shared with third parties or affiliates for marketing purposes.


Web Site and Cookie Privacy

NESC Federal Credit Union values your interest in learning more about our products and services, for which this site was developed, and we strive to protect the personal privacy of the visitors to our Web site. NESC Federal Credit Union's policy is to limit the collection and storage of personal information only to that which is necessary for us to operate our business, provide you with quality service, and offer you opportunities we think might be of interest.

When you visit our Web site, we may collect information such as your IP address, browser type, and the pages you visit. This information is used to analyze Web site activity, improve our site, and better understand member interests.

Our Web site uses cookies and similar technologies to:
• Help our site function properly and remember your preferences
• Measure the effectiveness of our advertising and Web site performance
• Deliver relevant marketing messages through third-party platforms such as Google Ads

We may use third-party analytics and advertising tools, such as Google Analytics and Google Ads, which use cookies to collect non-personally identifiable information about your interactions with our site. This data helps us understand overall site usage and serve relevant advertisements.

You can control or delete cookies through your browser settings, and you may opt out of personalized advertising through Google’s Ad Settings or by visiting optout.networkadvertising.org.

NESC Federal Credit Union does not sell or share personal information with unaffiliated third parties for their own marketing purposes.

To provide our members with information about other member benefits, our site may contain links to other Web sites. While we hope these organizations join us in respecting your privacy, NESC Federal Credit Union is not responsible for the content or privacy practices of these other Web sites.