WHAT DOES GARDINER FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
WHY? Financial companies choose how they share your information. Federal law gives members 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 products or services you have with us. This information can include:
- Social Security number and income
- Account balances and payment history
- Credit history and credit score
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 Gardiner Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information:
1. 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.
Does Gardiner FCU share? YES
Can you limit this sharing? NO
2. For our marketing purposes — to offer products and services to you
Does Gardiner FCU share? YES
Can you limit this sharing? YES
3. For joint marketing with other financial companies
Does Gardiner FCU share? YES
Can you limit this sharing? YES
4. For our affiliates’ everyday business purposes — information about your transactions and experiences
Does Gardiner FCU share? YES
Can you limit this sharing? NO
5. For our affiliates’ everyday business purposes — information about your creditworthiness
Does Gardiner FCU share? YES
Can you limit this sharing? YES
6. For nonaffiliates to market to you
Does Gardiner FCU share? YES
Can you limit this sharing? YES
TO LIMIT OUR SHARING:
- Call 207-582-2676
- Visit us online at www.gardinerfcu.org
Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us any time to limit our sharing.
WHAT WE DO:
How does Gardiner Federal 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. We restrict access to nonpublic personal information about you to persons who need to know that personal information to provide products or services to you.
How does Gardiner Federal Credit Union collect my personal information? We collect your personal information, for example, when you: open an account or deposit money, pay your bills or apply for a loan, and 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 credit worthiness, affiliates from using your information to market to you, and sharing for nonaffiliates to market to you.
What happens when I limit sharing for an account I hold jointly? Your choices will apply to everyone in your account — unless you tell us otherwise.
