Rev. 05/2010   

FACTS

WHAT DOES YOUR FEDERAL 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 
• Payment history
• Credit history

• Credit card or other debt
• Mortgage rates and payments
• Checking account information

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 YOUR Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does YOUR Federal 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

Yes

No

For joint marketing with other financial companies

Yes

No

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 nonaffiliates to market to you

Yes

Yes

To limit our sharing

  • Mail the form below

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 a 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 800-388-7889 or go to www.yourfederalcu.com
   
   
   

Mail-in Form

 
 

Mark any/all you want to limit:
 [  ] Do not share my personal information with nonaffiliates to market 
      their products and services to me.

Name

    Mail to:
  YOUR Federal Credit Union
 P.O. Box 630428 
 Irving, TX 75063-0428

Address

  

City, State, 
ZIP

  
  

What We Do

 

How does YOUR Federal 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 YOUR Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

• Open an account  
• Apply for a loan
• Provide account information

• Provide your mortgage 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.

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 non-financial companies. 
• YOUR Federal Credit Union has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies. 
• Nonaffiliates we share with can include mortgage lenders, insurance 
  agents and brokers.

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, checking
  account enhancement program providers, and identity secure 
  program providers.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with
nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

 

Privacy Model Disclosure
VMP® Bankers Systems™
Wolters Kluwer Financial Services © 2010 		  PRIV-MODEL  3/1/2010
2010.1/0944   23695096-010