Meadows Credit Union - Privacy policy: Your financial privacy rights.

Because Your Trust Is So Important
Your trust is the cornerstone of our relationship. That is why we work so diligently to safeguard your privacy. The information that you provide us is kept in the strictest of confidence. We have no intentions of selling personal information about our members to third-party businesses. We are proud to make that commitment to you, because your trust is the foundation of our business.

The following privacy policy explains how we use and protect the information about our members. We ask that you read it carefully.

Notice of Your Financial Privacy Rights
We, our, and us, when used in this notice, mean MCU.

This is our privacy notice for our members. When we use the words “you” and “your” we mean the following types of members:

Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party”.

The Information We Collect
We collect information about you from the following sources:

The Confidentiality, Security, and Integrity of Your Information
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

Your Information and Our Affiliates
We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:

Transaction and experience information from our account records:

Information about your transactions and experience with us, such as:

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

We may disclose information about you to the following types of affiliates:

Financial service providers, such as:

Your Information and Other Parties
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

We do not disclose information about former members, except as permitted by law.

We may disclose the following information to companies that perform marketing services on our behalf:

Information you give us on an application or other forms, such as:

Information about your transactions with us, such as:

We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses
Here are the types of businesses with whom we may disclose information for outside marketing purposes:

Service providers that perform marketing services for us, such as:

Authorized Sharing – Joint Marketing
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Information you give us on an application or other forms, such as:

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements.

We will not share any information derived from share relationships with us about members who reside in the following state(s):

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

Financial service providers, such as:

Reasons For Disclosing
We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

We also reserve the right to disclose the following additional information about you to joint marketers in the future:

Information you give us on an application or other forms, such as:

Information about your transactions with us, such as:

Information we receive from a credit reporting agency, such as:

We may disclose this information to joint marketers listed under the heading Types of Businesses, as well as the following additional marketing services: