Thanks for visiting www.dcfcu.org.
If you're not yet a Dade County Federal Credit Union Member, we hope you'll join us. It's our intention to delight our Members (and to make a fan out of you!).
Before using this site, please carefully read these terms of use, as well as our Privacy Policy.
By accessing our site(s) on the Internet (the "Site"), you indicate your acknowledgement and acceptance of these terms.
Dade County Federal Credit Union maintains the Site to:
- Provide you with information about Dade County Federal Credit Union products and services, and
- Facilitate communication with Dade County Federal Credit Union and its related companies.
We may occasionally revise these terms.
Because banking laws vary from state to state, and Credit Union Membership eligibilty is limited to certain individuals, not all of the products or services described on the Site are available in all geographic areas. You may not be eligible for all the products or services described. For example, eligibility for loans is determined according to our loan underwriting policies. Dade County Federal Credit Union reserves the right to determine the eligibility for any product or service.
Dade County Federal Credit Union owns the copyright of the images, text, screens and Web pages (or others as indicated) appearing on the Site. You may copy information from the Site for your personal or educational use, provided that each copy includes copyright, trademark or service mark notices, or attribution as they appear on the Site.
The information and material may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, except as provided in these terms, without the express written permission of Dade County Federal Credit Union.
When you conduct banking transactions via the Site through a secure browser, information transmitted to us will be governed by our Privacy Policy. Otherwise, unless prohibited by law, any communication or material you transmit to us via the Site or Internet e-mail is not considered to be confidential and Dade County Federal Credit Union may use such communication or material for any legal purpose.
We use our best efforts to include accurate and up-to-date information on the Site, but we make no warranties or representation as to the accuracy of the information.
Investment products and services on the site are offered through CUNA Mutual Group, an affiliate of Dade County Federal Credit Union and Dade County Federal Financial Consulting Services. The products and services offered through Dade County Federal Financial Consulting Services are not NCUA insured, nor are they guaranteed by or obligations of any Credit Union or Bank. These products involve investment risk, including the possible loss of principal invested.
By using the Site, you agree that all access and use of the Site and its contents are at your own risk. You acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of, or in any way connected with, your access to or use of the Site (even if we have been advised of the possibility of such damage). This includes liability associated with any viruses that may infect a user's computer equipment.
With regard to services or products purchased or obtained by you through the Site from a person or entity other than Dade County Federal Credit Union:
Dade County Federal Credit Union makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such services and products.
Dade County Federal Credit Union specifically disclaims all other warranties with regard to such services or products.
You agree that your use of this Site shall be governed by Florida state law, and agree that jurisdiction and venue shall be located in Miami, FL.
Please note that while you have the benefit of Dade County Federal Credit Union's terms and Privacy Policy when you use the Site, if you access a third-party Web site through a link on the Site you will be subject to the terms and privacy policies of that third-party site. Dade County Federal Credit Union cannot take responsibility for the content, terms of use, privacy policies, business practices or products or services of any third-party Web site.
PRIVACY NOTICE DISCLOSURE
Dade County Federal Credit Union, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give 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. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.
If after reading this notice you have questions, please contact us at:
1-800-299-7147
(305) 471-5080
or write to:
Compliance Officer
Dade County Federal Credit Union
1500 NW 107 Ave
Miami, FL 33172
EMAIL: memberservices@dcfcu.org
Information We Collect About You
We collect nonpublic personal information about you from the following sources:
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Information we receive from you on applications and other forms
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Information about your transactions with us
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Information we receive from a consumer reporting agency
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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 service providers, such as insurance companies, mortgage service companies, and securities broker-dealers.
· Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers/printers, plastic card processors, and government agencies.
Disclosure of Information to Parties That Provide Services to Us
In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to other financial institutions with whom we have joint marketing agreements, to other companies that perform marketing services on our behalf, or to nonaffiliated third parties for the purposes of processing and servicing transactions that you request or authorize, so that we may provide members competitive products and services.
We may also disclose nonpublic personal information about you under 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.
To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.
Disclosure of Information About Former Members
If you terminate your membership with Dade County Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.
How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
What Members Can Do to Help
Dade County Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
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Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords.
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Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
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Use caution when disclosing your account numbers, social security numbers, etc. to other persons.
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If someone calls you explaining 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.
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Keep your information with us current.
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If your address or phone number changes, please let us know.
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.
Let us know if you have questions. Please do not hesitate to call us -- we are here to serve you!
© CUNA Mutual Group, 2000, 2005 13755 23375 04/22/05
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