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| Privacy Notice |
| Employees Credit Union
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
■ Social Security number and Loss History
■ Mortgage Rates and Account Transactions
■ Credit History and Checking account information
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their
members' personal information; the reasons Employees Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Employees Credit Union share?
Yes, for our everyday business purposes such as to process transactions, maintain accounts, respond to court orders and legal investigations, or report to credit bureaus
No, for marketing purposes.
No, for joint marketing with other financial companies
No, for our affiliates' everyday business purposes, including information about your transaction and experiences, and information about your creditworthiness.
No, for our affiliates to market to you.
Can you limit this sharing?
No, we do not share.
Who we are
Who is providing this notice?
Employees Credit Union
What we do
How does Employees Credit Union
protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Employees Credit Union
collect my personal information?
We collect your personal information, for example, when you
◼ Open an account or provide us wage statements
◼ Make deposits or Make withdrawals
◼ utilize our wire services
We collect your personal information from others, including credit bureaus, insurance companies, or other affiliates.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
◼ sharing for affiliates’ everyday business purposes—information about your creditworthiness
◼ affiliates from using your information to market to you
◼ sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See information below.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
◼ Employees Credit Union has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
◼ Employees Credit Union does not share with nonaffiliates so they market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
◼ Employees Credit Union does not jointly market.
Other important information
For Alaska, Illinois, Maryland, and North Dakota members. We will not share personal information to nonaffiliates without your authorization.
For California members. We will not share personal information with nonaffiliates for marketing or joint marketing without your authorization.
For Massachusetts, Mississippi, and New Jersey Members. We will not share personal information from deposit or share accounts with nonaffiliates either for them to market or jointly market without your authorization.
For Vermont Members. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.
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