Privacy Policy

                                                     

                                                                                                                                           Revised December 2010
FACTS WHAT DOES UTILITIES CREDIT UNION

DO WITH YOUR PERSONAL INFORMATION?

 
Why? Credit unions and financial companies choose how they share your personal information.  Federal law gives members/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, assets and income
  • Account balances, payment history, parties to transactions and credit card usage.
  • Credit history

 

When you are no longer our member, we continue to share your information as described in this notice. 

 

   
How? All credit unions and financial companies need to share customers’ personal information to run their everyday business.  In the section below, we list the reasons credit unions and financial companies can share their members’ personal information; the reasons Utilities Credit Union chooses to share; and whether you can limit this sharing.  
 

Reasons we can share your personal information

Does UCU 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 

Yes

No

For our marketing purposes –To offer our products and services to you 

Yes

No

For joint marketing with other financial companies 

Yes, only with signed marketing agreement

No

For our affiliates’ everyday business purposes –Information about your transactions and experiences 

No, we do not share

No

For our affiliates’ everyday business purposes –Information about your creditworthiness 

No, we do not share

No

For non-affiliates to market to you

No, we do not share

No

Questions? Call 715-737-2467 or go to www.myucu.org
       

 

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Who we are
Who is providing this notice? Utilities Credit Union
   
What we do
How does UCU 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 UCU collect my personal information? We collect personal information, for example when you

  • Open an account
  • Apply for a loan
  • Use your credit card
  • Make deposits or withdrawals from your account
  • 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 non-affiliates 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 non-financial companies.

  • Utilities Credit Union has no affiliates

 

Non-affiliates Companies not related by common ownership or control.  They can be financial and non-financial companies.

  • Utilities Credit Union does not share with non-affiliates so they can market to you.

 

Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Utilities Credit Union does not jointly market

 

   
Other important information