MEMBERSHIP, PRODUCTS & SERVICES
Your eligibility for membership, products and services is subject to determination and approval by BOND Community Federal Credit Union (hereby BOND CFCU) staff and/or officially authorized BOND CFCU personnel. For more information, please contact BOND CFCU:
Local: (404) 525-0619, ext 219.
Toll-Free: 1-866-525-0619, ext 219.
Email: info@bondcu.com
WEBSITE & WEB BROWSING DISCLOSURES
The following terms of use apply to your access to and use of BOND CFCU’s website. By accessing any page or partition of this site, you agree to be bound by these terms, whether or not you are a BOND CFCU member. If you do not agree to the following terms and conditions, do not access this site or any page thereof.
As used in these terms and conditions, the words “we”, “our”, “the credit union” and “us” refer to BOND CFCU. The word “you” and “your” refer to the site user and/or member.
WARRANTIES & LIABILITIES DISCLOSURE
All of the information and content of our website are subject to change without notice.
We reasonably believe all information on this website to be accurate & reliable as of the date(s) posted on the site; however, we cannot and do not guarantee it, and we are not responsible for errors or omissions. Please contact BOND CFCU at (404) 525-0619 during regular business hours for the latest rates, terms, fees, and verification of any information found on our website.
All of the information, materials, and functions contained in our website are provided on an "as is" basis without warranties of any kind, either expressed or implied, including, but not limited to, warranties of merchantability, adequacy, accuracy or error-free, timeliness, or completeness of the information and materials, fitness for a particular purpose, interruption, or freedom from computer virus.
LINKS TO EXTERNAL SITES/INFORMATION
In no event will BOND CFCU be liable for any direct or indirect, special, incidental, consequential, or punitive damages, or lost profits arising in connection with your usage of our website or other sites linked to or from it, nor will we be liable for any errors in or omissions from information, materials and functions included in our web site or any other sites linked to or from it, or any interruption in the availability of our web site, delay in operation or transmission, computer virus, loss of data, or otherwise, even if we have been advised of the possibility of such damages or losses.
BOND CFCU offers links to you on an "as is" basis. Such links are not endorsements of any products or services on those sites, and no information on such sites has been endorsed or approved by us. BOND CFCU is not responsible for the content, accuracy, or opinions expressed in other websites, and such websites are not investigated, monitored, or checked for accuracy or completeness by us. Third-party links are offered solely for the purpose of providing easy navigation to information that may be useful to you; by clicking on them or otherwise accessing their intended destinations, you are choosing to use them at your own discretion, and absolve BOND of any liability, risk, or responsibility.
When you access third-party websites linked on our website, you are leaving the BOND CFCU’s website, and will no longer be protected by BOND CFCU’s privacy policy or security practices. You may wish to consult the privacy disclosures on each third-party site for further information.
PRIVACY & USE OF INFORMATION
Visitors to BOND CFCU’s website are and will remain anonymous. We do not collect personal identifying information about visitors to our website (except those accessing our Online Banking & Bill Payment service, Virtual Branch; for more info regarding online banking, see the next section). Our servers collect standard non-identifying information about visits to the site, such as the date/time visited. This data is used to compile standard statistics on site usage.
For additional details about how we treat your nonpublic personal information, please refer to our Privacy Statement at the bottom of this page.
ONLINE BANKING & VIRTUAL BRANCH
Personal identifying information is collected when any authorized member accesses our Virtual Branch / Online Banking website. This information enables the credit union to regulate entry to the secured portions of the website and to measure member usage. Any personal identifying information gathered during an online session is held confidential at BOND CFCU. The Credit Union does not sell member data to third parties, whether it is gained online or already exists on the host system. Please refer to our Privacy Statement for further information. Please also refer to the “VIRTUAL BRANCH USER GUIDE | TERMS & CONDITIONS” below.
WEB SITE APPLICATIONS
BOND CFCU’s online Member Application and Loan Application are both secured & private forms; all information entered by the user is encrypted and e-mailed to a private, secure server. Only an authorized Credit Union employee can access and/or print the applications from this server to ensure confidentiality. None of the information you provide will be disclosed to unauthorized personnel or external sites, organizations, companies, agencies, or individuals.
ONLINE FORMS, SENSITIVE INFORMATION & EMAIL
Personal information gathered from e-mail and online forms sent by members and non-members may be used by authorized credit union staff to answer questions, follow-up on suggestions or complaints, or to provide or improve the requested service(s). However, only our online applications and forms are encrypted, which protects your sensitive personal & account information; unencrypted e-mails are not secure against interception or infection by unauthorized individuals. Confidential information - such as Member & Account Numbers, Personal Identification Numbers (PINs), credit card numbers, and requests for financial transactions - sent through regular e-mail is always open to security risk. Users are encouraged to use our secure, encrypted online forms or visit our office; you may also choose to contact us by phone/fax or mail when necessary to provide sensitive or personal information that can compromise or violate a user's privacy when communicating via e-mail. Our mailing address & phone number:
BOND Community FCU
PO Box 5286
Atlanta, GA 31107
Phone: 404-525-0619 or 1-866-525-0619
Fax: 404-577-8529
You may use the address and phone number above to request a physical copy of our Privacy Statement.
LOCATION OF OPERATIONS, GOVERNING LAW, AND CONSENT TO JURISDICTION
This website (excluding linked/external sites) is controlled by BOND CFCU from its office in the State of Georgia, United States of America. While you may choose to access our website from other locations, we make no representation that any information, materials, or functions included in our website are appropriate or authorized for use in other jurisdictions. Your access from other locations is made on your own initiative; you, and not BOND CFCU, are responsible for compliance with any applicable local laws and regulations.
Your access to our website, use of our website, and these terms/conditions are governed by - and will be construed - in accordance with the laws of the State of Georgia without regard to principles of conflicts of laws, to the extent not pre-empted by federal law. In the event that any provision of these terms is held unenforceable, it will not affect the validity or enforceability of the remaining provisions.
In the event of a dispute concerning or relating in any way to this website, you and BOND CFCU hereby submit to the exclusive personal jurisdiction and venue of the State and Federal Courts located in the State of Georgia with respect to such matters.
CHILDREN’S ONLINE PRIVACY POLICY
We recognize that protecting children's identities and online privacy is important. Currently, BOND CFCU does not collect personal information from children under 13 years old through its website. We encourage you to monitor your children’s online activity and to check back here regularly for our latest policies, particularly those relating to children. If you have questions concerning the privacy of your child's personal information, please contact us at the address and phone number shown above.
USER INDEMNIFICATION:
You agree to indemnify, defend and hold BOND CFCU harmless from any liability, loss, claim, and expense, including attorneys' fees, related to your violation of these terms and conditions or the use of the services and information provided at this web site.
BOND Community Federal Credit Union
PO Box 5286
Atlanta, Georgia 31107
PRIVACY STATEMENT
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
This is our privacy notice for our members. When we use the words "you" and "your" we mean all of our consumer members who have a continuing relationship with us through our services, such as:
Deposit accounts
Loan accounts
Credit cards
Self-directed Individual Retirement Account, with which we act as custodian or trustee
Home mortgage & brokerage of such
We will inform you of the source for nonpublic personal information (collected on our members) as well as the measures we take to secure that information. We will also tell you what information we share with other entities. We will explain what your rights are, and how you can exercise them. If you share your account relationship with someone else (for example, if you are a co-borrower or joint-signer on any BOND account), we suggest that you share this information with each other to ensure that each of you are aware of our policy and your options. We first define some terms.
We,our, and us mean BOND Community Federal Credit Union.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
An affiliate is a company we own or control.
A nonaffiliated third party is a company that is not an affiliate of ours.
Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.
THE INFORMATION THAT WE COLLECT
We 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
Information about your transactions with nonaffiliated third parties
Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL 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, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
We may disclose nonpublic personal information to nonaffiliated third parties. Here are the kinds of nonpublic personal information we disclose to nonaffiliated third parties:
Nonpublic personal information we receive from you on an application or other forms, such as
Name
Address
You may opt-out of the disclosure of the information listed above.
Types of Nonaffiliated Third Parties
We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:
Financial service providers, such as insurance agents
Businesses offering non-financial products or services, such as other cooperative organizations
We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
Reasons For Disclosing
Here is why we may disclose nonpublic personal information about you to nonaffiliated third parties:
To provide our members with information about additional products and services
To offer benefits to customers
To offer benefits to members
Limitations on Disclosure
Here are the limitations we impose on the use of nonpublic personal information disclosed to nonaffiliated third parties:
We do not allow telephone solicitations.
All sharing is done only through third-party mailing companies; no information is given directly to nonaffiliates.
NONPUBLIC PERSONAL INFORMATION: FORMER MEMBERS
We do not disclose nonpublic personal information about former members.
NONPUBLIC PERSONAL INFORMATION: AFFILIATES & FUTURE CHANGES
In the future, we may disclose nonpublic personal information about you to affiliates, even though we are not doing so now. We may disclose nonpublic personal information to our affiliates related to information regarding transactions and experiences with us per our account records, such as:
Name(s)
Address
Account balance(s)
Account activity
Type(s) of account(s)
Credit card usage
Payment history
Deposit history
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt-out of the disclosure of this information.
Other information not taken from transactions and experience:
Nonpublic personal information we receive from you on an application or other forms, such as
Social security number
Assets and Income
Nonpublic personal information we receive from a credit reporting agency, such as
Creditworthiness
Credit history
You may opt-out of the disclosure of the information listed above.
Types of Affiliates
We may disclose nonpublic personal information about you in the future to the following types of affiliates:
Financial service providers, such as Credit Union Service Organization (CUSO)
Reasons For Disclosure
Here is why we may disclose nonpublic personal information about you in the future to our affiliates:
To provide our members with information about additional products and services
To evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves
YOU HAVE THE RIGHT TO CHOOSE
In this notice, we have explained our policy about the disclosure of certain information.
Affiliated Parties: We have explained the kinds of nonpublic personal information we may disclose to our affiliates in the future. We have also explained the kinds of affiliates with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to our affiliates you may opt-out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law). Nonaffiliated Third Parties. We have explained the kinds of nonpublic personal information we may disclose to nonaffiliated third parties. We have also explained the kinds of nonaffiliated third parties with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to nonaffiliated third parties, you may opt-out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).
Non-affiliated Third Parties: We have explained the kinds of nonpublic personal information we may disclose to nonaffiliated third parties. We have also explained the kinds of nonaffiliated third parties with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to nonaffiliated third parties, you may opt-out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).
Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.
If you have a joint account, each participant of this account has a separate right to opt-out. If one of you chooses to opt-out of the disclosure of nonpublic personal information and another does not, only information regarding the party who does not opt-out will be disclosed. Any participant on the account can opt-out on behalf of any other participant of the account.
If you wish to opt-out of disclosures, you may do so by requesting a Privacy Statement disclosure form, checking the appropriate box(es) on the included Opt-Out Notice, and returning it to us at this address:
BOND Community Federal Credit Union
PO Box 5286
Atlanta, Georgia 31107
(You may request the form through Member Services: 404-525-0619, ext 219.)
Limitations on Disclosure
Here are the limits we would impose on the use of nonpublic personal information disclosed to affiliates:
Only mortgage customers will be contacted.
YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION
Affiliated Parties: We are permitted to disclose nonpublic personal information about our transactions or experience with you to affiliates in the future. We may also disclose other nonpublic personal information to our affiliates (that is, nonpublic personal information beyond our transactions and experiences with you), unless you tell us to not disclose this other nonpublic personal information.
Nonaffiliated Third Parties: If you do not want us to share your nonpublic personal information with non-affiliated third parties, you can block the release of certain nonpublic personal information. This is known as your right to "opt-out."
Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.
If you have a joint account, each participant of this account has a separate right to opt-out. If one of you chooses to opt-out of the disclosure of nonpublic personal information and another does not, only information regarding the party who does not opt-out will be disclosed. Any participant on the account can opt-out on behalf of any other participant of the account.
If you wish to opt-out of disclosures, you may do so by requesting a Privacy Statement disclosure form, checking the appropriate box(es) on the included Opt-Out Notice, and returning it to us at this address:
BOND Community Federal Credit Union
PO Box 5286
Atlanta, Georgia 31107
(You may request the form through Member Services: 404-525-0619, ext 219.)