FACTS
What Does Marine Federal Credit Union Do with Your Personal Information?
Why?
Financial companies choose how they share your personal information. Under federal law, that means personally identifiable 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 and employment information
Account balances, transaction history, and credit information
Assets and investment experience
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 Marine Federal Credit Union chooses to share; and whether you can limit this sharing.
| Reasons We Can Share Your Personal Information | Does Marine Federal 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 | NO | N/A |
| For our affiliates’ everyday business purposes – Information about your creditworthiness | NO | N/A |
| For our affiliates to market to you | NO | N/A |
| For our non-affiliates to market to you | NO | N/A |
WHO WE ARE
Who is providing this notice? Marine FCU
QUESTIONS?
Call 800.225.3967 or go to www.marinefederal.org
WHAT WE DO
How does Marine FCU 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 Marine FCU collect my personal information?
We collect your personal information, for example, when you:
Open an account or perform transactions
Apply for a loan or use your credit or debit card
Seek advice about your investments
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 some but not all sharing related to:
Affiliates' everyday business purposes—information about your creditworthiness
Affiliates from using your information to market to you
Non-affiliates to market to you
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to the entire account. If you have more than one account and you choose to opt out, you will need to do so for each account.
DEFINITIONS
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
Non-affiliated
Companies not related by common ownership or control. They can be financial and non-financial companies.
Joint Marketing
Formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include financial service companies such as Allied Solutions, LLC and LPL Financial Company, LLC. Federal law does not provide a right for consumers to limit this sharing; however, Marine FCU offers the ability to opt out of this type of sharing as an added member service.
OTHER IMPORTANT INFORMATION
For more information on our privacy policy, you may write us at PO Box 1551, Jacksonville, NC 28541-1551, or call us at 800.225.3967, or visit our website at www.marinefederal.org.
Notices and “Joint Relationships.” Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement, or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement, or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications to the email or Internet address provided by said person; or we shall post or otherwise give notice by posting a notice, providing a link, or using such other electronic methods authorized under applicable laws and/or regulations. All joint owners, borrowers, and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.
Modification. Marine FCU reserves the right to modify, change, or amend this Privacy Policy and Agreement at any time without notice other than as expressly required by applicable law.
What Can Members Do To Help. Protect your account numbers, card numbers, personal identification numbers (PINs), and passwords. In particular, never keep your PIN with your debit card or credit card, as that makes you vulnerable in the event you lose your card or your card is stolen. Use caution in revealing account numbers, Social Security numbers, etc., to other persons. In particular, if a caller tells you he/she is calling you on behalf of the Credit Union and asks for your account number, you should beware. Legitimate Credit Union staff would already have access to that information. It’s important that the credit union has current information about how to reach you. If we detect potentially fraudulent use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
