WHAT DOES MEMBERS CHOICE 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 accounts or services you have with us. This information can include:
- Social Security Number and income
- Account balances and payment history
- Credit history and credit scores
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 Members Choice Credit Union chooses to share, and whether you can limit this sharing.
|
Reasons we can share your personal information
|
Does Members Choice 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 do not share |
| For our affiliates' everyday business purposes—information about your creditworthiness |
No |
We do not share |
| For our affiliates to market to you |
No |
We do not share |
| For non-affiliates to market to you |
No |
We do not share |
Questions?
Call 281.398.9900 or toll-free 800.753.2428 or visit us online at www.mccu.com.
Who We Are
Who is providing this notice? Members Choice Credit Union (MCCU).
What We Do
How does Members Choice 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, secured files and buildings, procedural safeguards and safe record storage. We will continue to review and modify our security controls in the future to deal with changes in products, services and technology.
How does Members Choice Credit Union collect my personal information?
We collect your personal information, for example, when you
- open an account
- make a wire transfer
- show your driver's license
- show us your wage statements
- make deposits to or withdrawals from your accounts
We also collect your personal information from others, including credit bureaus, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit:
- sharing for affiliates' everyday business purposes—information about your creditworthiness
- affiliates from using your information to market you
- sharing for non-affiliates to market 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.
- Members Choice Credit Union has no affiliates.
Non-Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.
- Members Choice Credit Union does not share with non-affiliates so they can market you.
Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you.
- Members Choice Credit Union does not jointly market.
Other Important Information
For Texas Credit Union Members: COMPLAINT NOTICE. This credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with Members Choice Credit Union, you should first contact the credit union. If the dispute is not resolved to your satisfaction, you may file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below: By U.S. Mail: 914 East Anderson Lane, Austin, TX 78752-1699, Phone: 512-837-9236, Email:
complaints@cud.texas.gov, Website:
www.cud.texas.gov
