NOTICE
OF YOUR FINANCIAL PRIVACY RIGHTS
We, our
and us, when used in this notice, mean Mazuma Credit
Union. This is our privacy notice for our members. When
we use the words “you” and “your,”
we mean the following types of members:
All of our
consumer members who have a continuing relationship
by purchasing or holding financial products or services,
such as:
- Deposit account
- Loan account
- Credit card
- Safe deposit box
- Self-directed Individual
Retirement Account where we act as custodian or trustee
We will
tell you the sources for nonpublic personal information
we collect on our members. We will tell you what measures
we take to secure that information.
We first
define some terms.
Nonpublic personal
information means information about you
that we collect in connection with providing a financial
product or service to you. Nonpublic personal information
does not include information that is available from
public sources, such as telephone directories or government
records.
An affiliate
is a company we own or control.
A nonaffiliated
third party is a company that is not an
affiliate of ours.
THE
INFORMATION THAT WE COLLECT
We collect
nonpublic personal information about you from the following
sources:
- Information we receive
from you on applications or other forms
- Information about your
transactions with us
- Information about your
transactions with nonaffiliated third parties
- Information from a
consumer reporting agency
THE
CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC
PERSONAL INFORMATION
We restrict
access to nonpublic personal information about you to
those employees who need to know that information to
provide products or services to you. We maintain physical,
electronic and procedural safeguards that comply with
federal regulations to guard your nonpublic personal
information.
NONPUBLIC
PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
We will not
disclose your nonpublic personal information to nonaffiliated
third parties, except as permitted by law.
NONPUBLIC
PERSONAL INFORMATION AND FORMER MEMBERS
We do not
disclose nonpublic personal information about former
members, except as permitted by law.
AUTHORIZED
SHARING — JOINT MARKETING
We may disclose
the following information to other financial institutions
with whom we have joint marketing agreements:
- Nonpublic personal
information we receive from you on an application
or other forms, such as
Federal law
allows us to disclose the information listed above with
other financial institutions with whom we have joint
marketing agreements. You do not have a right to opt
out of the disclosure of this information. We may also
disclose nonpublic personal information about you to
nonaffiliated third parties as permitted by law.
State Limitations
AL,
AK, CA, ID and VT - We will not share this information
about members who reside in Alabama, Alaska, California,
Idaho, or Vermont. MA, MS, and NJ - We will not share
any information derived form share relationships
with us about Members who reside in Massachusetts,
Mississippi, or New Jersey.
Types of Businesses.
We do not
disclose nonpublic personal information about former
members, except as permitted by law.
- Financial service
providers, such as insurance agents
Reasons For
Disclosing
Here is
why we may disclose nonpublic personal information
about you to other financial institutions with whom
we have joint marketing agreements:
- To provide our members
with information about additional products and services
Limitations
on Disclosure
Here are
the limitations we impose on the use of nonpublic
personal information disclosed to other financial
institutions with whom we have joint marketing agreements:
- We only allow direct
mail solicitations
- We do not allow telephone
solicitations
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