Privacy and Opt-Out Notification

Rev. 01/16

WHAT DOES DELTA 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 information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security Number and Credit Score
  • Income and Employment Information
  • Purchase History and Payment History

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 Delta Community Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Delta 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 YES NO
Reasons we can share your personal information:
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 Delta Community Credit Union share?
YES
Can you limit this sharing?
NO
For our marketing purposes - to offer our products and services to you YES YES
Reasons we can share your personal information:
For our marketing purposes - to offer our products and services to you
Does Delta Community Credit Union share?
YES
Can you limit this sharing?
YES
For joint marketing with other financial companies YES YES
Reasons we can share your personal information:
For joint marketing with other financial companies
Does Delta Community Credit Union share?
YES
Can you limit this sharing?
YES
For our affiliates’ everyday business purposes - information about your transactions and experiences YES NO
Reasons we can share your personal information:
For our affiliates’ everyday business purposes - information about your transactions and experiences
Does Delta Community Credit Union share?
YES
Can you limit this sharing?
NO
For our affiliates’ everyday business purposes - Information about your creditworthiness    
Reasons we can share your personal information:
For our affiliates’ everyday business purposes - Information about your creditworthiness
Does Delta Community Credit Union share?
YES
Can you limit this sharing?
YES
For our affiliates to market to you YES YES
Reasons we can share your personal information:
For our affiliates to market to you
Does Delta Community Credit Union share?
YES
Can you limit this sharing?
YES
For nonaffiliates to market to you YES YES
Reasons we can share your personal information:
For nonaffiliates to market to you
Does Delta Community Credit Union share?
YES
Can you limit this sharing?
YES

To limit our sharing

  • Call 1-800-544-3328 or 404-715-4725 or
  • Visit us online: www.DeltaCommunityCU.com

Please note:
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 1-800-544-3328 or go to www.DeltaCommunityCU.com

What we do

How does Delta 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 Delta Community Credit Union collect my personal information?

We collect your personal information, for example, when you

  • Open an Account
  • Apply for a Loan
  • Give us your Contact Information

We also collect your nonpublic 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

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include financial companies such as Members Insurance Advisors.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include insurance companies, service providers and other financial institutions.

Joint Marketing

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

  • Our joint marketing partners include insurance companies and service providers.