Privacy Policy
At University Credit Union, your privacy is a top priority. This notice describes how we protect the privacy of your personal information. Throughout this notice, the word "information" refers to personal information about you that may not be publicly available.
FACTS
WHAT DOES UNIVERSITY 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 of the 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 and Account Transactions
• Account Balances and Credit Scores
• Payment History and Credit History
How?
All financial companies need to share member’s personal information to run their everyday business. In the section below, we list reasons financial companies can share their member’s personal information; the reasons University Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your information | Does University CU 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 product 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 information about your transactions and experiences | |
For our affiliates’ everyday business purposes - information about your creditworthiness | NO | We don't share information about your transactions and experiences | |
For non-affiliates to market to you | YES | YES |
What we do
How does University 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 University 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 withdrawals
• show your government issues ID
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 limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choice will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
• University Credit Union has no affiliates
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
• Nonaffiliates we share with can include insurance companies
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• Our joint markieting partners include insurance companies.
Questions?
Call our Call Center Department at (786) 425-5000 or (800) 230-4832, (Monday - Friday, 8:00 am - 5:00 pm)