Disclosures
Understanding the Details
This space is where you’ll find everything you need
to know about the policies, terms, and conditions
that might apply to your NCPD Federal Credit Union experience, in clear-cut language.
Disclosures
Understanding the Details
This space is where you’ll find everything you need
to know about the policies, terms, and conditions
that might apply to your NCPD Federal Credit Union experience, in clear-cut language.
Disclosures
Download our PDF to view the Terms and Conditions of your account(s) with NCPD Federal Credit Union.
The NCPD Federal Credit Union website is offered to you conditioned on your acceptance, without modification, of the terms, conditions, and notices contained herein. Your use of the NCPD Federal Credit Union website constitutes your agreement to all such terms, conditions, and notices.
Modification of These Terms of Use: NCPD Federal Credit Union reserves the right to change the terms, conditions, and notices under which the NCPD Federal Credit Union site/services are offered. You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of the NCPD Federal Credit Union site/services constitutes your agreement to all such terms, conditions, and notices.
Limitation of Personal and Non-Commercial Use: Unless otherwise specified, the NCPD Federal Credit Union website is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained from the NCPD Federal Credit Union website.
Links to Third-Party Sites: NCPD Federal Credit Union site/services may contain links to third-party websites (“Linked Sites”). The Linked Sites are not under the control of NCPD Federal Credit Union and NCPD Federal Credit Union is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site or any changes or updates to a Linked Site. NCPD Federal Credit Union is not responsible for webcasting, or any other form of transmission received from any Linked Site nor is NCPD Federal Credit Union responsible if the Linked Site is not working appropriately.
NCPD Federal Credit Union is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by NCPD Federal Credit Union of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites. Any dealings with third parties (including advertisers) included within the NCPD Federal Credit Union site/services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties, or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. NCPD Federal Credit Union shall not be responsible for or liable for any part of any such dealings or promotions.
Download our PDF to view the full Terms of Use.
Important Information Concerning Procedures for Opening a New Account: 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 for 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. We will make a copy of these identifying documents for our records.
Our Commitment: NCPD Federal Credit Union is committed to safeguarding your personal information. Therefore, we take the requirements of the USA PATRIOT Act to heart. By adhering to these requirements, we help ensure the protection of your personal financial information. These precautions reduce opportunities for those who would seek to gain access to private account information and funds through deceptive practices. Not only will these measures protect you, our member, but they will help to protect America, and preserve the safety and security that the country offers to all individuals who live within its borders.
Download our PDF to view the full disclosures.
Download our PDF to view the Agreement and Disclosure.
Throughout this Funds Availability Policy, the words “you,” “your,” and “yours” mean each and all of those (whether one or more persons) who are subject to the Funds Availability Policy. The words “we,” “us,” or “Credit Union” mean NCPD Federal Credit Union. This Funds Availability Policy provides the rules regarding when NCPD Federal Credit Union makes funds deposited into your “transaction accounts” and share savings accounts at the Credit Union available. A “transaction account” is an account from which an account holder is permitted to make transfers or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar device for the purpose of making payments or transfers to third persons or others or from which the depositor may make third-party payments at an automated teller machine (“ATM”) or a remote service unit, or other electronic device, including by debit card; your share draft accounts with us are transaction accounts. The Funds Availability Policy is subject to change upon thirty (30) days’ written notice.
Section I. Your Ability to Withdraw Funds
- Except as set forth below, our policy is to make funds from your cash and check deposits available to you on the first (1st) business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written.
- For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
- With respect to checks deposited through our e-Deposit service, please refer to the Remote Deposit Capture Agreement for information regarding availability of those deposits.
Section II. Longer Delays May Apply
- In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, will be available on the first business day after the day of your deposit.
- If we are not going to make all of the funds from your deposit available on the first business day after the day of your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail or otherwise provide you the notice by the day after we receive your deposit.
- If you need the funds from a deposit right away, you should ask us when the funds will be available.
- Case-by-case delays: In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
- We believe a check you deposit will not be paid.
- You deposit check(s) totaling more than $5,525 on any one day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six months.
- There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.
Section III. Special Rules for New Accounts
If you are a new member, the following special rules will apply during the first thirty (30) days your account is open.
- Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you, (and you may have to use a special deposit slip). The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit(s) of these checks (other than a U.S. Treasury check) are not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit.
- Funds from all other check deposits will be available on the eleventh business day after the day of your deposit.
Section IV. Holds on Other Funds
- If we do accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. Those funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Funds Availability Policy for the type of check that you deposited.
Section V. Deposits at ATMs and Shared Branches
- Deposits at Credit Union Proprietary ATMs. If you make a deposit at ATMs owned and operated by the Credit Union (“proprietary ATMs”), the first $225 of daily aggregate deposits will be available on the first business day after the day of your deposit, and deposits in excess of $225 may not be available until the second business day after the day of your deposit. For daily aggregate check deposits in excess of $5,525 at proprietary ATMs, longer hold periods may apply.
If you make a deposit at an ATM before 3:00 p.m. (Eastern) on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 3:00 p.m. (Eastern) or on a day we are not open, we will consider that the deposit was made on the next business day we are open. - Shared Branches. As a member of the Credit Union, you have access to shared branches, which allows you to conduct transactions on your Credit Union accounts, including making deposits, at another credit union that is part of the shared branch network. If you make a deposit at a shared branch on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at a shared branch on a day we are not open, we will consider that the deposit to have been made on the next business day we are open.
If you make a deposit at a shared branch, the first $225 of daily aggregate deposits will be available on the first business day after the day of your deposit, and deposits in excess of $225 may not be available until the second business day after the day of your deposit. For daily aggregate check deposits in excess of $5,525 at shared branches, longer hold periods may apply.
Download our PDF to view the agreement and disclosures.
Privacy Notices
Last updated: March 2024
Introduction and Intention
NCPD Federal Credit Union, together with its subsidiaries and affiliates (collectively, “NCPD FCU”, “we”, “us” or “our”), strives to serve your needs and to protect your identity and any information we collect about you when you visit our website or use any other digital services offered by NCPD Federal Credit Union that link to or reference the notice (collectively, our “digital services”). This notice covers many digital services, including the NCPD Federal Credit Union mobile apps, and NCPD Federal Credit Union social media sites or pages, as well as any interactions you may have while viewing our website and links provided through one of NCPD Federal Credit Union’s digital advertising campaigns.
As you review the Digital and Mobile Privacy Notice, here are a few general principles to keep in mind:
Our Online Privacy Policy:
- Covers your interaction with NCPD Federal Credit Union, its subsidiaries and affiliates, and companies engaged by NCPD Federal Credit Union and its subsidiaries and affiliates to render services (“Service Providers”) when you use any mobile application or visit any website that we own, or visit other sites where we have indicated our policy expressly applies, including, but not limited to, our website (ncpdfcu.org) and our mobile apps (collectively, “Sites”);
- Describes the categories of personal information that we may collect about you when you interact with or visit our Sites;
- Discloses whether other parties may collect personal information about your online activities over time and across different websites when you use our Sites;
- Discloses if we engage in the collection of your personal information about your online activities over time and across different websites;
- States how we may use information that we collect;
- Describes the categories of other persons or entities with whom we may share your personal information;
- Describes the way you can review and request changes to certain personal information that we collect;
- Discloses how we may respond to web browser “do not track” signals or other opt-out mechanisms;
- States that we do not knowingly collect personal information of children under the age of 13 without the consent of their parent or legal guardian;
- Provides a California-specific description of consumers’ privacy rights; and
- Describes how we will inform you of important changes to our Privacy Policy.
What Information Do We Collect?
We take your privacy seriously and make the safeguarding of your personal information a priority. We collect personal information in accordance with applicable law. If you seek, apply for, or obtain a financial product or service with us, we will use and share that information we collect from or about you in accordance with our Privacy Policy.
We may also collect personal information when you use our sites, products, and services. Personal information that we collect may include your name or other online identifier, home or other physical address, telephone number, email address, IP address, website interactions, geolocation, device identifier, keystrokes, the contents of your communications with us, and information from a consumer report about you. We may also collect Social Security numbers (SSN), driver’s license numbers (or comparable) when you provide such information while using our digital services and where we believe it is reasonably required for ordinary business purposes. Collection may include other information that you provide us with, including, but not limited to, information provided when receiving technical/account setup support.
Additionally, use of the internet makes it possible for us or other parties to collect data about your online activities over time and across different websites, including when you use our Sites. In that regard, we use tracking technology on our Sites that collects analytics, records how you interact with our Sites, or allows us to participate in behavior-based targeted advertising.
How We Disclose Your Information
We do not sell or lease your Personal Information to any third party. We may disclose your Personal Information to a third party for business purposes. We may disclose your Personal Information for a business purpose to the following categories of third parties:
- Our Affiliates. We may share the information collected through the website with our affiliates.
- Third-Party Service Providers. We share Personal Information collected through the website with third-party service providers that act for or on behalf of the NCPD FCU. For example, we may use third-party vendors to design, operate, and/or host our website, to conduct surveys, to help us with our marketing and promotional efforts (including targeted advertising), fulfill orders, and to bill users for goods and services. These third parties may need information about you to perform their functions.
- With Other Carefully Selected Business Partners. From time to time, we may share your Personal Information with selected third parties (other than our service providers). For example, we partner with third parties to sponsor contests or other promotions, and we may share with these third parties the Personal Information you submit to us to participate in the contest or take advantage of the promotion. Before doing so, however, we may offer you the opportunity to “opt out” or “opt in” as required by applicable law.
- With Third-Party Social Media Platforms. We may provide functionality on the website that allows you to automatically post information to a third-party social media platforms (such as Facebook, Twitter, LinkedIn, or Instagram). If you choose to take advantage of this functionality, people who can view your profile on the third-party platform will be able to see your post. Thus, you should have no expectation of privacy in those actions.
- In Aggregate or Deidentified Form. We use information collected through the website to create a compiled, aggregate view of usage patterns. We may share aggregate information with third parties so we and they can better understand our user base.
Except as described in this Policy, we will not share your information with third parties without your notice and consent, unless it is under one of the following circumstances:
- Legal Reasons.
- We believe that disclosure is reasonably necessary to comply with any applicable law, regulation, subpoena, or court order;
- To respond to duly authorized information requests from law enforcement or other governmental authorities;
- To enforce our agreements or policies;
- To investigate and prevent security threats, fraud, or other malicious activity; or
- To respond to an emergency that we believe in good faith requires us to disclose such information to assist in preventing the death or serious bodily injury of any person or company employee.
- Sale of Business or Merger. There are circumstances where NCPD Federal Credit Union may decide to buy, sell, or reorganize its business. Under these circumstances, it may be necessary to share or receive Personal Information with prospective or actual partners or affiliates. In such circumstances, NCPD Federal Credit Union will ensure your information is used in accordance with this Policy.
How Do We Use Information That We Collect?
We may use your personal information to provide and improve our products and services; to process transactions and payments; to conduct analytics and research; to enhance your experience on our Sites; to help deliver our ads on your web browser; to measure advertising campaign effectiveness; to respond to your requests and communications; to manage your preferences; as required to meet legal and regulatory obligations; and for any other purposes that we may specifically disclose at the time we collect or you provide your information. We do not sell your personal information.
In some circumstances, we may anonymize or deidentify your personal information so that it can no longer be associated with you, in which case we may use such information without further notice to you. To the extent we maintain and use personal information in an anonymized or deidentified form, we will not attempt to reidentify the information, except for the purpose of determining whether our anonymization/deidentification processes satisfy our legal obligations.
With Whom Do We Share the Information We Collect?
We may share the information we collect from you in the following circumstances:
- Affiliates and Acquisitions: We may share information with our corporate affiliates (e.g., subsidiaries or other companies under common control) to deliver our products and services to you and for other everyday business purposes in accordance with the practices set forth in our Privacy Policy. If another company acquires, or plans to acquire, our company, business, or assets, we will also share information with that company, including at the negotiation stage.
- Service Providers: We may share your information with Service Providers. Among other things, Service Providers may help us to administer our website, conduct surveys, provide technical support, process payments, and assist in the fulfillment of services.
- Legal Obligations: We may disclose information in response to subpoenas, warrants, or court orders, or in connection with any legal process, or to comply with relevant laws. We may also share your information in order to establish or exercise our rights, to defend against a legal claim, to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies, or to comply with your request for the shipment of products to or the provision of services by a third-party intermediary.
- Other Third Parties with Your Consent: We may disclose your information to other third parties when we have your consent or directions to do so. For example, you may authorize some third-party companies to access your information to provide financial products and services such as: account aggregation (consolidating your financial account information from different sources), making payments via a website or mobile application, and tax preparation. We recommend you use caution when granting such access and ensure that these third parties have appropriate policies and practices in place to secure your information. NCPD Federal Credit Union is not responsible for the use or disclosure of any information accessed by or on behalf of any third party or person to whom you provide your NCPD Federal Credit Union sign-in credentials or account information. Any use of your information is governed by the privacy policy and any terms of use with that third party. NCPD Federal Credit Union does not control the privacy, security, or accuracy of your information that may be held by these third parties, and our privacy, security, and other terms will not apply to any third-party services. To disable a third-party service, you will need to notify NCPD FCU either by calling or writing to us. By forgoing and disabling one service, it could impact other services you may have linked. For security and other reasons, NCPD Federal Credit Union may block or disable third-party access to any account without notice.
Additional information on our banking terms and conditions can be found in our Terms of Use.
How You Can Control Your Information
Our Sites are designed for optimal viewing with cookies enabled (cookies are small text files that collect internet traffic data). For example, cookies store your preferences for when you visit our Sites. If your web browser settings allow cookies, our Sites will utilize them. You may disable or remove cookies by accessing your web browser settings. Our Sites will still function without cookies, but some features may not work properly. Please note that due to a lack of consistent standards across browsers, our Sites may not respond to “do not track” browser settings.
We only use your personal information for certain purposes allowed by law (refer to our Privacy Policy), which you cannot limit.
You may, however, be able to opt out of certain advertisements. To learn more about a particular advertising network (including how to opt out), click on the industry group network symbol or link located on the advertisement.
Children’s Online Privacy Protection Act (COPPA)
The Federal Trade Commission adopted a regulation (16 CFR 312) to implement the Children’s Online Privacy Protection Act (COPPA), which governs the collection and use and/or disclosure of personal information from and about children on the internet. NCPD Federal Credit Union does not purposely or knowingly collect personal information from individuals under the age of 13 on any financial institution website by either requesting that children make personal information publicly available, enabling children to make personal information available or through the passive tracking of use of any identifying code linked to an individual. We will not obtain any information from individuals under the age of 13 without the consent of a parent or legal guardian.
For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.
Security
We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to personal information. This includes device safeguards and secured files and buildings.
Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecured channels to communicate sensitive or confidential information (such as your SSN) to us.
Updating Your Information
It is important that we have accurate and up-to-date information about you. If you notice that your information is incomplete, inaccurate, or out of date, you can update your information through our mobile or online service or by contacting us. You may review or update certain account information by logging in and accessing your account(s). If you cannot change the incorrect information online, or you prefer to request changes offline, please use the Contact Us (https://www.ncpdfcu.org) option on our site, call 516-938-0300 or email us at memberservice@ncpdfcu.org. You can also speak to one of our branch representatives.
Linking to Third-Party Websites
NCPD FCU may provide links to websites that are owned or operated by other companies ("third-party websites"). When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use, and security practices of the linked third-party website before providing any information on that website.
This website may contain links to third-party sites that you may find useful. These sites have their own privacy policies. Links to other websites are provided solely as a convenience to you. If you use these links, you will leave the NCPD Federal Credit Union website. We do not have any responsibility for, or control over, any of these sites, their content, or their privacy policies. However, you should review the Privacy Policy of any website before you provide any personal or confidential information. We do not endorse or make any representations about other websites, or any information, products, or materials found there, or any results that may be obtained from using them. If you decide to access any third-party link, you do so entirely at your own risk.
Many websites and apps use Google services to improve their content. When they integrate Google services, these sites, and apps share information with Google. We use Google Analytics to better understand how users are visiting and using our sites. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at www.google.com/policies/privacy/partners.
Notice for California Residents
If you are a California resident, please refer to our Privacy Notice for additional information about your rights under the California Consumer Privacy Notice and Disclosure.
Policy Updates
We may change our policy from time to time. When we do, we will let you know by appropriate means, such as by posting the revised policy on this page with a new “Last Updated” date. Any changes to our policy will become effective when posted unless indicated otherwise.
Last updated: March 2024
This California Consumer Privacy Notice (“CCPA Notice”) applies to residents of California to the extent that the California Consumer Privacy Act of 2018 (CCPA) applies to NCPD Federal Credit Union.
The specific Personal Information that we collect, use, and disclose relating to a California resident in different contexts covered by the CCPA will vary based on our relationship or interaction with that individual. For example, this CCPA Notice does not apply with respect to information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes (i.e., information subject to the Gramm-Leach-Bliley Act (“GLBA”)). For more information about how we collect, disclose, and secure information relating to these customers, please refer to our Privacy Policy. Personal Information that is subject to this CCPA Notice is referred to herein as “CCPA Personal Information.” We may use the information described below for any of the purposes described in this CCPA Notice or for our business, security, or operational purposes compatible with the context in which the Personal Information was collected, unless limitations are listed in this CCPA Notice or described elsewhere at the time of collection of the information.
PERSONAL INFORMATION WE COLLECT
To ensure that we provide you with the best possible experience, we will store, use, and share personal information about you in accordance with this Disclosure. Personal information is information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular user, household, or device (“Personal Information”). In the past 12 months, we have collected the following categories of Personal Information from users of the website. Additionally, the “Disclosed” column below details what categories of Personal Information have been disclosed in the past 12 months and to which category of third parties.
We obtain the categories of Personal Information listed above from the following categories of sources:
- Directly from you. For example, when you:
- Register yourself with the website;
- Participate in available sweepstakes;
- Participate in, submit a request for, or register for a seminar or webinar;
- Schedule an appointment, such as a counseling appointment;
- Submit a job application;
- Submit an online application;
- Provide feedback or information regarding sponsorships and programs; or
- Otherwise communicate with us, such as communicating via a live chat or requesting more information.
- Indirectly from you. For example, through information we collect from you in the course of providing our services to you.
- Directly and indirectly from activity on our website. For example, from website usage details that are collected automatically. For more information on automatic information collection, please review the “Automated Information Collection” in the Privacy Policy.
USE OF PERSONAL INFORMATION
We do not sell or lease your Personal Information to any third party. We may disclose your Personal Information to a third party for business purposes. For information about what categories of Personal Information are disclosed by the Company and to which third parties, please see the “PERSONAL INFORMATION WE COLLECT” section above and the “How We Disclose Your Information” section of our Digital and Mobile Privacy Policy.
The length of time Company intends to retain each category of Personal Information, including sensitive personal information, if any, is for as long as reasonably necessary to carry out Company’s intended business purpose for such information.
YOUR RIGHTS AS A CALIFORNIA CONSUMER
Shine the Light law
Pursuant to California Civil Code Section 1798.83, we will not disclose or share your Personal Information with third parties for the purposes of third-party marketing to you without your prior consent.
Do Not Track Signals
Other than as disclosed in this Disclosure, the website does not track users over time and across third-party websites to provide targeted advertising. Therefore, the website does not operate any differently when it receives Do Not Track (“DNT”) signals from your internet web browser.
Do Not Sell or Share My Personal Information
While we do not sell your personal information, we may share your personal information, including an IP address, for targeted advertising purposes. For more information, please refer to our Privacy Policy.
Consumer Rights
If you are a California consumer, as defined by the CCPA, you may be afforded additional rights with respect to your Personal Information. Any Personal Information we collect is collected for the commercial purpose of effectively providing our services to you, as well as enabling you to learn more about, and benefit from, our services. You may exercise each of your rights as identified below, subject to our verification of your identity.
- Access. You have the right to request that we disclose certain information to you about our collection, use and disclosure of your Personal Information over the past twelve (12) months, and no more than twice in any 12-month period. Any disclosures we provide will only cover the 12-month period preceding the receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
- Correction. You can correct what personal data our website database currently contains by accessing your account directly, or by contacting us to request that we correct or rectify any personal data that you have provided to us.
- Limit Use and Disclosure of Sensitive Personal Information. If we collect any sensitive personal information, you have the right to request that we limit the use of the sensitive personal information to that use which is necessary to perform the services or provide the goods reasonably expected by an average consumer who requests those goods or services.
- Portability. Upon request and when possible, we can provide you with copies of your Personal Information. When such a request cannot be honored, we will advise you accordingly. You can then choose to exercise any other rights under this Disclosure.
- Deletion. You have the right to request that we delete any of your Personal Information from the website database, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies. Where applicable, we will ensure such changes are shared with trusted third parties.
- Opt-out of Processing. You have the right to request that we do not sell your Personal Information, use your Personal Information for Targeted Advertising, or use your Personal Information for profiling. Where applicable, we will ensure such changes are shared with trusted third parties.
- Non-Discrimination. If a California consumer exercises his or her rights under the CCPA, we shall not discriminate against that consumer by denying our goods or services, charging different prices or rates to similarly situated consumers, providing a different level or quality of our goods or services, or taking any other adverse action.
- Exercising your rights. If you are California consumer who chooses to exercise the rights listed above, you can:
- Submit a request via email at memberservice@ncpdfcu.org
- Call us at 516-938-0300 to submit your request.
Only you, or someone legally authorized to act on your behalf, may make a request related to your Personal Information. If an authorized agent makes a request on your behalf, we may require proof that you gave the agent permission to submit the request.
Responding to Your Request
Upon receiving your request, we will confirm receipt of your request by sending you an email confirming receipt. To help protect your privacy and maintain security, we may take steps to verify your identity before granting you access to your Personal Information. In some instances, such as a request to delete personal information, we may first separately confirm that you would like us to in fact delete your Personal Information before acting on your request.
We will respond to your request within forty-five (45) days. If we require more time, we will inform you of the reason and extension period in writing.
In some cases, our ability to uphold these rights for you may depend upon our obligations to process Personal Information for security, safety, fraud prevention reasons, compliance with regulatory or legal requirements, or because processing is necessary to deliver the services you have requested. Where this is the case, we will inform you of specific details in response to your request.
CHANGES TO THIS DISCLOSURE
This Disclosure may be amended from time to time, and we shall post the revised Disclosure on our Website. Changes will be effective upon posting.
CONTACT US
We value your opinions and welcome your feedback. To contact us about this Disclosure or your Personal Information, please contact us by email at memberservice@ncpdfcu.org.
Banking anywhere else would be a crime!
“Everyone is extremely professional and friendly.”
– Barbara R.
Banking anywhere else would be a crime!
“Everyone is extremely professional and friendly.”
– Barbara R.
Get to Know Us
Since 1940, NCPD Federal Credit Union has been the trusted financial partner for Nassau County’s law enforcement community, committed to providing superior products and services that cater to our members’ needs.
Discover our rich history and values, learn about opportunities like scholarships, and delve into our insightful newsletters.
Contact Us
Explore career opportunities, discover phone numbers members should know, or reach out to NCPD Federal Credit Union directly using a secure message form.
Become a Member
Become a member of NCPD FCU and enjoy competitive rates, low fees, quality service, and valuable products designed with you in mind. Discover more about NCPD FCU membership, from eligibility to benefits.
