Privacy Policy

Metco Credit Union Privacy Policy
FACTS WHAT DOES METCO CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
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 income
  • Account balances and payment history
  • Credit history and credit scores
How? All financial companies need to share 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 chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Metco 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 to 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 No
For our affiliates’ everyday business purposes –
Information about your transactions and experiences
No No
For our affiliates’ everyday business purposes –
information about your creditworthiness
No No
For nonaffiliates to market to you No No
Questions? Call 319.398.5007 or go to www.metcocu.org
Who We Are
Who is providing this notice? Metco Credit Union
What We Do
How does Metco 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 Metco Credit Union collect my personal information?

We collect your personal information, for example, when you

  • Open an account or apply for a loan
  • Make deposits or withdrawals from your account
  • Apply for any credit union service

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 laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Metco Credit Union has no affiliates.
Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Metco Credit Union does not share with nonaffiliates so they can market to you except for our joint marketing arrangements.
Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include financial services and insurance companies.
Other important information
Protecting Children’s Private Information: Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.

Privacy Policy Changes: While we reserve the right to amend this Privacy Policy at anytime, you can always review the current version at www.MetcoCU.org.

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