2013 Privacy Statement
What Does Universal Federal Credit Union Do With Your Personal Information?
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.
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 described in this notice.
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 Universal Federal Credit Union chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information
||Does Universal Federal Credit Union share?
||Can you limit this 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
|For our marketing purposes - to offer our products and services to you
|For joint marketing with other financial companies
|For our affiliates’ everyday business purposes - information about your transactions and experiences
|For our affiliates’ everyday business purposes - information about your creditworthiness
|For nonaffiliates to market to you
Call us at 304-697-2919 for questions.
Who is providing this notice? Universal Federal Credit Union
How does Universal Federal 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 Universal Federal Credit Union collect my personal information? We collect your personal information, for example, when you:
- Open Accounts or Deposit Money
- Pay Bills or Apply for Loans
- Use a 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.
Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint Marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include companies such as insurance, financial or non-financial service providers.
If you have questions about this notice, please contact Universal Federal Credit Union and ask to speak with a Member Services Representative. Please call (304) 697-2919.