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For a Printable copy of the Opt-Out Notice CLICK HERE.
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean Total Community 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:
- Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):
- Share or deposit account
- Loan account
- Credit card account
- Automobile lease we service
- Self-directed Individual Retirement Account
We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.
We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.
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. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
An affiliate is a company we own or control.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."
Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
- Information you give us on applications or other forms
- Information about your transactions with us
- Information about your transactions with our affiliates
- Information about your transactions with other parties
- Information from a consumer reporting agency
- Information we receive through our Customer Identification Program
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to 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 to protect this information.
YOUR INFORMATION AND OTHER PARTIES
We may disclose information to other parties. Here are the kinds of information we disclose to these other parties:
- Information you give us on an application or other forms, such as:
- Name
- Address
- Social Security Number
- Date of birth
You may opt out of the disclosure of the information listed above.
State Limitations
We will not share this information about members who reside in the following state(s):
- Alaska
- Alabama
- Idaho
- Vermont
We will not share any information derived from share relationships with us about members who reside in the following state(s):
- Massachusetts
- Mississippi
- New Jersey
If you have a loan account or other member relationship in addition to a share account relationship, and you do not want us to share this information about you, you should opt out using a method described below.
Types of Other Parties
We may disclose information about you to the following types of other parties:
- Financial service providers, such as:
We may also disclose information about you to other parties as permitted by law.
Reasons For Disclosing
We may disclose information about you to other parties to provide you with information about additional products and services.
Future Disclosure To Other Parties
We also reserve the right to disclose information about you in the future with the following types of parties:
- Financial service providers, such as:
- Securities broker-dealers
- Financial planners
INFORMATION ABOUT FORMER MEMBERS
We do not disclose information about former members, except as permitted by law.
AUTHORIZED SHARING - OUTSIDE MARKETING SERVICES
We may disclose the following information to companies that perform marketing services on our behalf:
- Information you give us on an application or other forms, such as:
- Information about your transactions with us, such as:
We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.
Types of Businesses
Here are the types of businesses with whom we may disclose information for outside marketing purposes:
- Service providers that perform marketing services for us, such as:
Reasons For Disclosing
We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.
AUTHORIZED SHARING - JOINT MARKETING
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:
- Information you give us on an application or other forms, such as:
- Name
- Address
- Social Security Number
- Date of birth
We 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.
State Limitations
We will not share this information about members who reside in the following state(s):
- Alaska
- Alabama
- Idaho
- Vermont
We will not share any information derived from share relationships with us about members who reside in the following state(s):
- Massachusetts
- Mississippi
- New Jersey
Types of Businesses
We may disclose information pursuant to joint marketing agreements to the following types of businesses:
- Financial service providers, such as:
Reasons For Disclosing
We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.
YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION
Other Parties. If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your right to "opt out."
Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.
If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.
If you previously sent us an opt out, then we will continue to apply your instruction to the information you asked us not to share. You do not need to return another opt out form.
If you wish to opt out of the disclosure of your information, you may do so by checking the appropriate box(es) on the Opt Out Notice that you received with this notice and returning it to us at this address:
Total Community Credit Union
P.O. Box 547
Taylor, Michigan 48180
YOU HAVE THE RIGHT TO CHOOSE
In this notice, we have explained our policy about the disclosure of certain information.
Other Parties. We have explained the kinds of information we may disclose to other parties. We have also explained the kinds of other parties with whom we may disclose the information. If you prefer that we do not disclose information to these other parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).
Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.
If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.
If you previously sent us an opt out, then we will continue to apply your instruction to the information you asked us not to share. You do not need to return another opt out form.
If you wish to opt out of the disclosure of your information, you may do so by checking the appropriate box(es) below and returning this form to us at this address:
Total Community Credit Union
P.O. Box 547
Taylor, Michigan 48180
___Do not share my information with nonaffiliated third parties.
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Signature
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Name(s)
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Social Security Number(s)
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Account Number(s)
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Street Address Apt#
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City, State, ZIP
104063-030
© 2000 Bankers Systems, Inc., St. Cloud, MN
Form PRIVDISOPTCU 9/4/2001 2.0/3290
