| FACTS |
WHAT DOES CUADVANTAGE DO WITH YOUR PERSONAL INFORMATION?
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| 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.
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| 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 -Credit history
-Income -Credit scores -Payment history -Employment information When you are no longer a member, we continue to share your information as described in this notice.
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| 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 CUAdvantage chooses to share; and whether you can limit this sharing.
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Reasons we can share your personal information |
Does CUAdvantage share? |
Can you limit this sharing? |
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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
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Yes | No |
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For our marketing purposes -to offer our products and services to you
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Yes | No |
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For joint marketing with other financial companies
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Yes | No |
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For our affiliates' everyday business purposes -
information about your transactions and experiences
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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 | No | We don't share |
| Questions? |
Call 248-996-6070 or go to www.cuadvantage.coop
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| Who we are | |
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Who is providing this notice?
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CUAdvantage means Credit Union Advantage.
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| What We Do | |
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How does CUAdvantage protect my personal information?
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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.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
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How does CUAdvantage collect my personal information?
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We collect your personal information, for example, when you
-Open an account -Make a wire transfer -Give us your wage statements -Give us your contact information
-Apply for financing
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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Why can't I limit all sharing?
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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.
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| Definitions | |
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Affiliates
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Companies related by common ownership or control. They can be financial and non-financial companies.
-CUAdvantage has no affiliates.
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Nonaffiliates
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Companies not related by common ownership or control. They can be financial and non-financial companies.
-CUAdvantage does not share with nonaffiliates so they can market to you.
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Joint Marketing
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A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
-Our joint marketing partners include insurance companies.
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Privacy Model Disclosure | VMP® Bankers SystemsTM | Wolters Kluwer Financial Services © 2010
PRIV-MODEL 8/1/2010 | 2010.3/2551 2631321-010 EPRV2551