Galleria Credit Union values the trust you place in us to protect your personal financial information. We are proud to share this policy we have established to protect you and your privacy.

This disclosure covers non-public personal information that we obtain in the course of providing products and services to you. It does not cover information that is actually obtained from public sources, such as telephone directories or county property records.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you for the following reasons:

To complete the transactions you authorize in a timely manner.
To conduct the operations of the Credit Union with efficiency and security.

To maintain safeguards which will protect you against unauthorized criminal access to your information.

To use information responsibly in order to provide you with convenient financial services.

In order to do so, the Credit Union may share information about you with other companies that provide services on our behalf or with financial institutions with whom we have joint marketing agreements to provide financial products or services. Under these arrangements, the Credit Union may disclose all of the information collected, as described below. 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, trade, or give the information we provide to third parties.

Information we collect and disclose about you
The Credit Union collects non-public personal information about you from a variety of sources. Information collected includes the following:

From membership applications, loan applications and other forms, we obtain information such as name, address, social security number, and income.
From your transactions with us or other financial institutions that either provide products or services to you on our behalf or with whom we have joint marketing agreements, we obtain information such as your account balances, payment history, parties to transactions, and your use of your ATM card, debit card and credit card.
From consumer reporting agencies, we obtain information such as your creditworthiness and credit history.
From verification of information you provide on applications and other forms, we obtain information from current or past employers, other financial institutions, and other sources listed on the application.
From marketing analysis companies for marketing purposes, we obtain information such as economic and demographic data.
We may also disclose information we collect 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. We comply with lawfully issued information requests, such as subpoenas, levies, and child support data matching programs. We can report our credit and account experience with you to consumer reporting agencies.

If you terminate your membership with the Credit Union, we will not share information about you except as permitted or required by law.

How we protect your information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your non-public personal information.

Opt Out Notice
With passage of the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act, financial institutions that engage in certain practices must provide opt out notices to their account holders. This was put in place to protect you from activities that include the selling of your personal information. Because we do not participate in those types of practices, opt out notices are not applicable. The option to opt out does not apply because the companies that perform services are doing so on our behalf. We only work with companies that agree to maintain strong confidentiality. We do not permit these companies to sell your information to third parties or use the information for any purpose other than intended.

Changes to this policy
We will give you any notice required by law if we change this policy.
Galleria Credit Union is owned by its members and governed by a Board of Directors that you elect. You can be confident that your financial privacy is a top priority of your Credit Union. We are required by law to provide you with this privacy notice and to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at (972) 715-4444 or toll-free at 1-800-423-3229.

Additional Privacy/Security Information
Some portions of our Web site, such as home banking, may require you to disclose personally identifying information and may place "cookies" on your hard drive. Cookies are unique identifiers used to estimate our audience size and help us deliver better service. If you contact us by e-mail, keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. When you communicate with us via e-mail, we will use your e-mail information only for the purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the credit union unless we are compelled to do so by law.

Where appropriate, Galleria Credit Union uses security encoding techniques to safeguard personal and financial information, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.

For your convenience, this site contains links to other sites that provide services our members or visitors may find to be of interest. The Credit Union is not responsible for the privacy practices or the content of such Web sites.

Identity Verification Notice
On October 26, 2001, the USA Patriot Act was signed in to law. The purpose of this law is to help protect you, your family and our country from terrorism by preventing terrorist financing. We want you to know that section 326 of this Act requires our credit union to verify the identity of all new credit union members. We must also verify the identity of members and nonmembers added as signatories to and have access to new or existing deposit accounts and loans. We must also retain copies of documents used to verify your identity.

If you are an existing member who joined the credit union before the USA Patriot Act rules became effective we may also need to verify and retain copies of any documents used to verify your identity when you request a new deposit account, apply for a loan or are added as a signatory to a new or existing deposit or loan account.

We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country. Please speak with a credit union staff member if you have any questions or concerns about our identification policies.

If you have any questions that are not answered in this section, please contact:

Galleria Credit Union
13155 Noel Road, Suite 150
Dallas, TX 75240
Phone: 972-715-4444
Fax: 972-239-2519

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