North Central Area Credit Union is committed to protecting the privacy of each member’s financial records consistent with state and federal laws. North Central will take prudent and reasonable measures to safeguard the accuracy and privacy of all member information, including information used while conducting business via the internet, ATM network, wire services, telephone, the U.S. Mail, and other means of communication. 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 (989) 910-5135.
To download a printable copy, please click here. If you have any questions concerning this notice, please do not hesitate to call us—we’re here to serve you!
| FACTS | WHAT DOES NORTH CENTRAL AREA CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? |
| 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 income – account balances and payment history – credit history and credit scores When you are no longer our customer, we continue to share your information as SMS Privacy & Security. No mobile information will be shared with third |
| How? | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons North Central Area Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does North Central Area Credit Union share? | Can you limit sharing? |
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus |
Yes | No |
| For our marketing purposes – to offer our products and services to you |
No | We don’t share |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – information about your transactions and experiences |
No | We don’t share |
| For our affiliates’ everyday business purposes – information about your creditworthiness |
No | We don’t share |
| For our affiliates to market to you | No | We don’t share |
| For nonaffiliates to market to you | No | We don’t share |
Who we are
| Who is providing this notice? | North Central Area Credit Union |
What we do
| How does North Central Area 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 North Central Area Credit Union collect my personal information? | We collect your personal information, for example, when you – open an account or deposit money – pay your bills or apply for a loan – use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
| 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. |
Definitions
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. – North Central Area Credit Union has no affiliates. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. – North Central Area Credit Union does not share with nonaffiliates so they can market to you. |
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. – Securian – CUNA Mutual |