Privacy Policy
FACTS
WHAT DOES MICHIGAN UNITED 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 Michigan United Credit Union’s Privacy Policy.
At Michigan United Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Michigan United Credit Union. This notice explains what types of member information we collect and under what circumstances we may share it.
What?
The types of personal information we collect and share depend on the accounts or services you have with us. This information can include:
- -Name, address, Social Security number, and income
- -Account balances and transaction history
- -Credit history and credit scores
When you are no longer our member, we will not share your information except as permitted or required by law 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 Michigan United Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Michigan United 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 | Yes |
| For our affiliates’ everyday business purposes— information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes— information about your creditworthiness | No | We don’t share |
| For our affiliates to market to you | No | We don’t share |
| For non-affiliates to market to you | No | We don’t share |
Questions?
Call (248) 814-4000, send us an email at info@michiganunitedcu.org, or write to us at: Michigan United Credit Union, 3501 Hamlin Rd., Auburn Hills, MI 48326.
What we do
| How does Michigan United 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 Michigan United Credit Union collect my personal information? | We collect your personal information, for example, when you
We also collect your personal information from others, including credit bureaus or other companies. |
| Why can’t I limit all sharing? | Federal law only gives you the right to limit information sharing as follows: – 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.
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| Non-affiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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| Joint marketing | A formal agreement between Michigan United Credit Union and a nonaffiliated financial company where we jointly market financial products or services to you.
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