Division 10 Highway
Employees' Credit Union
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  • Privacy
     
     

     

                                                                                     Rev. 01/2011
    FACTS 
     
    WHAT DOES Division 10 Highway Employees’ 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 share account information
    • Credit history                 and employment information
    • Income                          and payment history
    When you are no longer our customer, 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 Div. 10 Hwy. Emp. CU chooses to share; and whether you can limit this sharing.   
     
     
    Reasons we can share your personal information
    Does Division 10 Hwy. Emp. CU 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,             Yes                              No
    or report to credit bureaus
    -----------------------------------------------------------------------------------------------------------------
    For our marketing purposes--
    to offer our products and services to you            Yes                             No
    -----------------------------------------------------------------------------------------------------------------
    For joint marketing with other financial
    companies                                                     No               We don’t share   
    -----------------------------------------------------------------------------------------------------------------
    For our affiliates' everyday business--
    purposes - information about your
    transactions and experiences                            No                We don’t share
    -----------------------------------------------------------------------------------------------------------------
    For our affiliates everyday business
    purposes - information about your                     No                We don’t share
    creditworthiness                                               
    -----------------------------------------------------------------------------------------------------------------
    For nonaffiliates to market to you                  No                We don’t share
    ------------------------------------------------------------------------------------------------------------------ 
    Questions? Call (573) 472-5373 or go to info@div10cu.com


    Who we are
    Who is providing this notice?                 Division 10 Highway Employees'
                                                                                    Credit Union
    ----------------------------------------------------------------------------------------------------------------
     
    What we do
    How does Div. 10 Hwy. Emp. CU 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  Div. 10 Hwy. Emp. CU collect my personal information?
     
    We collect your personal information, for example, when you
    • Open an Account                  or  Apply for a loan
    • Deposit money                      or  give us your employment history
    • Provide employment information
    We also collect your personal information from others, such as credit bureaus or other companies.
    ---------------------------------------------------------------------------------------------------------------
    Why can't I limit all sharing?
     
    Federal law gives you the right to limit only
    • Sharing for affilates’ everyday business purposes—information about your creditworthiness
    • Affilates from using your information to market to you
    • Sharing for nonaffiliates to market to you 
    State laws 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 nonfinancial companies.
    • Division 10 Highway Employees' Credit Union does not share with our affiliates.
    ----------------------------------------------------------------------------------------------------------------
     
    Nonaffiliates
    Companies not related by common ownership or control. They can be financial and nonfinancial companies.
    • Division 10 Highwayt Employees' Credit Union does not share with nonaffilates so they can market to you.
    ----------------------------------------------------------------------------------------------------------------
     
    Joint marketing
    A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
    • Division 10 Highway Employees' Credit Union doesn't jointly market.
    ----------------------------------------------------------------------------------------------------------------
     
    Other important information
    Division 10 Highway Employees' Credit Union
    Div. 10 Hwy. Emp. CU

    Open an account, apply for a loan, Deposit money,
    give us your employment history
    Provide employment information.
    We also collect your personal information from others, such as credit bureaus or other companies.
    Division 10 Highway Employees' Credit Union does not share with our affiliates.
    Division 10 Highway Employees' Credit Union does not share with nonaffiliates so they can market to you.
    Division 10 Highway Employees' Credit Union doesn't jointly market.
     

    ©2017 Division 10 Highway Employees' Credit Union