WHAT DOES COMMUNITY 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 credit history
- Account transactions and credit card or other debt
- Checking account information and wire transfer instructions
When you are no longer our member, 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 Community Credit Union chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
Does Community 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
Does Community Credit Union Share?
Yes
Can You Limit This Sharing?
No
For our marketing purposes – to offer our products and services to you
Does Community Credit Union Share?
No
Can You Limit This Sharing?
We Don’t Share
For joint marketing with other financial companies
Does Community Credit Union Share?
No
Can You Limit This Sharing?
We Don’t Share
For our affiliates’ everyday business purposes – information about your transactions and experiences
Does Community Credit Union Share?
No
Can You Limit This Sharing?
We Don’t Share
For our affiliates’ everyday business purposes – information about your creditworthiness
Does Community Credit Union Share?
No
Can You Limit This Sharing?
We Don’t Share
For our affiliates to market to you
Does Community Credit Union Share?
No
Can You Limit This Sharing?
We Don’t Share
For nonaffiliates to market to you
Does Community Credit Union Share?
No
Can You Limit This Sharing?
We Don’t Share
Question?
Call 701-947-5011 or go to www.community-credit-union.org
What We Do
How does Community 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 Community Credit Union collect my personal information?
We collect your personal information, for example, when you
- Open an account or apply for a loan
- Apply for financing or give us your contact information
- Show your driver’s license
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. See below for more on your rights under state law.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Community Credit Union has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Community 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.
- Community Credit Union doesn’t jointly market.
Other Important Information
For North Dakota Members. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization.