Our Community Credit Union Privacy Policy

        
          FACTS:  WHAT DOES OUR 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 account balances 
Credit history and credit scores 
Income 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 Our Community Credit Union chooses to share; and whether you 
can limit this sharing. 
        
 

FACTS: WHAT DOES OUR 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 account balances Credit history and credit scores Income 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 Our Community Credit Union chooses to share; and whether you can limit this sharing.

            
                        REASONS WE CAN SHARE YOUR PERSONAL INFORMATION
                        DOES OUR 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 to report to credit bureaus
                        YES
                        NO
                        
                        For our marketing purposes – 
to offer our products and services to you 
                        YES
                        YES
                       
                        For joint marketing with other financial companies
                        YES
                        YES
                       
                        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

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION	DOES OUR 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 to report to credit bureaus	YES	NO
For our marketing purposes – to offer our products and services to you	YES	YES
For joint marketing with other financial companies	YES	YES
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

To Limit Our Sharing:

Call toll-free (800) 426-5657 or (360) 426-9701

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 member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call toll-free (800) 426-5657 or (360) 426-9701

        
          WHAT WE DO
        
          How does Our 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
        
          How does Our Community 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 use your credit or debit card 
Apply for financing
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 law and individual companies may give you additional rights to limit sharing.

          What happens when I limit sharing for an account I hold jointly with someone else? 
          Your choices will apply to everyone on your account.

WHAT WE DO
*How does Our 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
*How does Our Community 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 use your credit or debit card Apply for financing *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 law and individual companies may give you additional rights to limit sharing.*
*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 Community Credit Union does not share with our affiliates. 

          Nonaffiliates
          Companies not related by common ownership or control. They can be financial and 
nonfinancial companies. *Our Community Credit Union does not share with our 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. *Our joint marketing partners include financial advisors and insurance companies.

DEFINITIONS
*Affiliates*	Companies related by common ownership or control. They can be financial and nonfinancial companies. *Our Community Credit Union does not share with our affiliates.
*Nonaffiliates*	Companies not related by common ownership or control. They can be financial and nonfinancial companies. *Our Community Credit Union does not share with our 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. *Our joint marketing partners include financial advisors and insurance companies.

REV 5/2023