What does Linn Area Credit Union do with your personal information?
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.
- Social Security Number
- Payment History
- Credit History
- Account Balance(s)
- Credit Scores
When you are no longer our member, we continue to share your information as described in this notice.
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 Linn Area Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Linn Area 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
For our marketing purposes — to offer our products and services to you
For joint marketing with other financial companies
For our affiliates’ everyday business purposes — information about your transactions and experiences
For our affiliates’ everyday business purposes — information about your creditworthiness
For nonaffiliates to market to you
Who we are
What we do
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. These may include locked cabinets and security systems for our facilities; passwords and fire walls for our web sites; and having our employees ask for identification before processing your requests.
We collect your personal information, for example, when you:
- open an account
- apply for a loan
- deposit money
- pay your bills
- use your debit or credit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Companies related by common ownership or control. They can be financial or nonfinancial companies. Linn Area Credit Union has no affiliates.
Companies not related by common ownership or control. They can be financial or nonfinancial companies. Linn Area Credit Union does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include insurance companies.