What does Natco Credit Union do with your personal information?
Overview
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.
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 overdraft history
- Credit history and employment information
- Payment history and transaction or loss history
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 Natco Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus.
Does Natco Credit Union share? Yes
Can you limit this sharing? No
For our marketing purposes –
To offer our products and services to you.
Does Natco Credit Union share? Yes
Can you limit this sharing? No
For joint marketing with other financial companies
Does Natco Credit Union share? Yes
Can you limit this sharing? No
For our affiliates’ everyday business purposes –
information about your transactions and experiences.
Does Natco Credit Union share? No
Can you limit this sharing? We don’t share
For our affiliates’ everyday business purposes –
information about your creditworthiness.
Does Natco Credit Union share? No
Can you limit this sharing? We don’t share
For our affiliates to market to you
Does Natco Credit Union share? No
Can you limit this sharing? We don’t share
For non-affiliates to market to you
Does Natco Credit Union share? No
Can you limit this sharing? We don’t share
What We Do
How does Natco 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 Natco Credit Union collect my personal information?
We collect your personal information, for example, when you:
- Open an account or use your credit or debit card
- Show your government-issued ID or apply for financing
- Give us wage statements
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 creditworthiness
- Affiliates from using your information to market to you
- Sharing for non-affiliates to market to you
State law 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 non-financial companies. Natco Credit Union has no affiliates.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies. Natco Credit Union does not share with our non-affiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include CUNA Mutual Group’s MEMBERCONNECT.
Other important information
Natco Card Manager periodically collects, transmits and uses geolocation information for enabling features that prevent fraudulent card use and alerts, but only if the End User expressly authorizes collection of such information. Geolocation Information can be monitored on a continuous basis in the background only while the app is being used or not at all, depending on the End User’s selection. The End User can change his/her/their location permissions at any time in their device settings.
Questions?
Call (765) 962-2561 or go to www.natcocu.org
