Privacy Policy

FACTS	WHAT DOES WCU 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 ☐ Income ☐ Account Balances ☐ Payment History ☐ Credit History ☐ Credit Scores When you are no longer our member, we continue to share your information as described in this notice.
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 WCU Credit Union chooses to share; and whether you can limit this sharing.

FACTS

WHAT DOES WCU 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 ☐ Income ☐ Account Balances ☐ Payment History ☐ Credit History ☐ Credit Scores

When you are no longer our member, we continue to share your information as described in this notice.

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

Reasons we can share your personal information	Does WCU 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	NO
For our affiliates’ everyday business purposes — information about your creditworthiness	NO	NO
For nonaffiliates to market to you	NO	NO

Questions?	Call 256-355-5010 or go to www.wcucu.com

Who we are
Who is providing this notice?	WCU CREDIT UNION

What we do
How does WCU 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 WCU Credit Union collect my personal information?	We collect your personal information, for example, when you: ☐ Open an Account or Apply for a Loan ☐ Make Deposits or Withdraw money from your Account ☐ Pay your bills or use your Credit or Debit Card 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

What we do

How does WCU 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 WCU Credit Union collect my personal information?

We collect your personal information, for example, when you:

☐ Open an Account or Apply for a Loan
☐ Make Deposits or Withdraw money from your Account
☐ Pay your bills or use your Credit or Debit Card

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 non-affiliates to market to 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 nonfinancial companies. ☐ WCU Credit Union has no affiliates
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. ☐ Non-affiliates we share with can include insurance companies, government agencies, plastic card processors (credit/debit/ATM), financial statement publishers or printers,consumer reporting agencies, check/share draft printers, and attorney.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ☐ Our joint marketing partners include CUNA Mutual Group’s MEMBERCONNECT.