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GEMC Federal Credit Union Privacy and Opt-Out Notification (Rev. 08/2012)
| FACTS |
WHAT DOES GEMC FEDERAL CREDIT UNION (GEMC FCU) 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 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 GEMC Federal Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information |
Does GEMC 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 |
Yes |
No |
For our affiliates' everyday business purposes -
information about your creditworthiness |
No |
We don't share |
| For our affiliates to market to you |
No |
We don't share |
| For non-affiliates to market to you |
No |
We don't share |
| To limit our Sharing |
Call toll free 1-888-959-7132 (or 470-514-3000)
Please note: If you are a new member, we can begin sharing your information thirty (30) days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
Questions? |
Call 470-514-3000 or toll free 1-888-959-7132 or go to www.gemc.org |
| Who We Are |
| Who is providing this notice? |
GEMC Federal Credit Union |
| What we do |
How does GEMC 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 GEMC FCU collect my personal information? |
We collect your personal information, for example, when you:
• open an account or deposit money
• pay your bills or apply for a loan
• use your credit or debit card
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 |
| What happens when I limit sharing for an account I hold jointly with someone else? |
Your choices will apply to everyone on your account. |
| Definitions |
| Affiliates |
Companies related by common ownership or control. They can be financial and
non-financial companies.
• Our affiliates include financial companies such as Credit Union Financial Services, Credit Union Business Services, and Catalyst Corporate Federal Credit Union. |
| Non-Affiliates |
Companies not related by common ownership or control. They can be financial and
non-financial companies.
• GEMC FCU does not share with 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 and Affinion Benefits Group. |
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