IMPORTANT INFORMATION ABOUT THE PERSONAL DATA THE CALHOUN LIBERTY EMPLOYEE CREDIT UNION COLLECTS AND HOW IT IS USED
The credit union is committed to meeting all the financial needs of its members without compromising the valued relationship with our members.
In their daily transactions and dealings with us, our members furnish us sensitive and confidential information. We are committed to protect our member's privacy and it is our stated intent to comply with the NCUA privacy rules and other applicable privacy provisions. We collect non-public information about you from some or all of the following sources:
- information we receive from you on applications or other forms
- information about your transactions with us, our affiliates or others; and
- information we receive from a consumer reporting agency
The credit union shall only disclose the information it collects from it's members and former members to affiliates of the credit union transaction processors, other financial institutions of the credit union and those parties allowed by law.
No credit union employee shall request information from a member unless the information is necessary to conduct or complete a transaction, process an application or is for business purposes.
To help the government fight the funding of terrorism and money laundering activites, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
When a member opens an account with the calhoun liberty employees credit union, the credit union will ask for their name, address, date of birth and other information that will allow the credit union to identify the member. The credit union will also ask to see the new member's driver's license or other documents of identification.
The credit union shall restrict access to our members information to those employees who need to know that information to provide products or services. The credit union shall maintain physical, electronic and procedural safeguards that comply with federal and state regulations in order to protect our members personal information.
Credit union members and the public may receive copies of this notice of privacy practices by contacting the credit union.
This notification meets the requirements of the National Credit Union Administration regulation on privacy of consumer information. part 716.
FACTS: WHAT DOES CALHOUN LIBERTY EMPLOYEE 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
- Credit history
- Account balances and payment history
- Credit Scores
- Account transactions and checking account history
When you are no longer our member, we continue to share your information as described in this notice.
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 Calhoun Liberty Employee Credit Union chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information||Does Calhoun Liberty Employee 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|
|For our marketing purposes; to offer our products and services to you||No||We don’t share|
|For joint marketing with other financial companies||No||We don’t share|
|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 non-affiliates to market to you||No||We don’t share|
Questions? Call 850-643-5751
What We Do
- How does Calhoun Liberty Employee 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 ?les and buildings.
- How does Calhoun Liberty Employee Credit Union collect my personal information?
We collect your personal information, for example, when you:
- Open an account
- Make a wire transfer
- Apply for a loan
- Make deposits or withdrawals from your account
- File an insurance claim
- Show your driver's license or give your contact information
We also collect your personal information from others, such as credit bureaus, affliates, or other companies.
- Why can’t I limit all sharing?
Federal law gives you the right to limit only
- Sharing for affliates’ everyday business purposes-information about your creditworthiness
- Affliates from using your information to market to you
- Sharing for non-affliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
- Companies related by common ownership or control. They can be financial and non-financial companies.
Calhoun Liberty Employee Credit Union has no affiliates.
- Companies not related by common ownership or control. They can be financial and non-financial companies.
Calhoun Liberty Employee Credit Union does not share with nonaffiliates so they can market to you.
- Joint marketing
- A formal agreement between non-affliated financial companies that together market financial products or services to you.
Calhoun Liberty Employee Credit Union doesn’t jointly market.