Legal Disclaimer - New York Times Employees' FCU

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Permission is granted to electronically copy and to print in hardcopy portions of this Web site for the sole purpose of placing an order with New York Times Employees' Federal Credit Union and any of its affiliates and for using this Internet promotion as a shopping or informational resource.

Any other use of the materials on this Web site, including reproduction for purposes other than those noted above, modification, distribution, or republication--without the prior written permission from New York Times Employees' Federal Credit Union representing nytimescu.org is strictly prohibited.

New York Times Employees' Federal Credit Union and nytimescu.org are Trademarked. All other trademarks, product names and company names or logos cited herein are the property of their respective owners.

Unauthorized access or use of this web site or the information it contains may constitute a crime, punishable by law.

Disclaimer

NEW YORK TIMES EMPLOYEES' FEDERAL CREDIT UNION IS PROVIDING THIS SITE AND ITS CONTENTS ON AN "AS IS" BASIS AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WITH RESPECT TO THIS SITE OR ITS CONTENTS. NEW YORK TIMES EMPLOYEES' FEDERAL CREDIT UNION DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES, INCLUDING FOR EXAMPLE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN ADDITION, NEW YORK TIMES EMPLOYEES' FEDERAL CREDIT UNION DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE VIA THIS SITE IS ACCURATE, COMPLETE OR CURRENT.

Except as specifically stated on this site, neither New York Times Employees' Federal Credit Union nor any of its directors, employees or other representatives will be liable for damages arising out of or in connection with the use of this site.

Some images, have been licensed to Paragon Services, Inc. by Photodisc(TM). These images are not to be downloaded for reuse or any other purpose.

images copyright ? 1998 PhotoDisc, Inc.

New York Times Employees Federal Credit Union Privacy Notice

The New York Times Employees Federal Credit Union is owned by its members and monitored by a board of directors you have elected, so you may be confident that your financial privacy is a top priority for us. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at (212) 354-0351.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you in order to complete your transactions and provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide such products and services.

Under these agreements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf, or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit t use of the information that we provide. We do not permit these companies to sell to other third parties the information we provide to them.

Information We Collect And Disclose About You

We collect and may disclose non-public personal information about you from the following sources:

Information we receive from you on membership and loan applications and other forms
Information about your transactions with us or with others
Information we receive from a consumer reporting agency
Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.

We may also disclose information we collect about you under circumstances as permitted or required by law. These disclosures typically include information used to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as your authorize, or protect the security of our financial records.

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

If you terminate your membership with the New York Times Employees Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to non-public 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.