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Virtual Branch Online Banking

Mobiliti Privacy Policy Rev. 4/18

Mobiliti Privacy Policy Rev. 4/18

FACTS

What does Choice One Community Federal 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 account balances
  •   credit history and income
  •   payment history and transaction history

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 Choice One Community Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Choice One Community 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 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

Yes

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 creditworthiness

No

We don’t share

For nonaffiliates to market to you

No

We don’t share

To Limit Sharing

  • Call toll-free at 1-800-610-2788 and our menu will prompt you through your choice(s)
  • Visit us online at choiceone.org
  • Click here to access a PDF containing a mail form that can be detached and mailed

Please note: If you are a new member, we can begin sharing your information 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 toll-free 1-800-610-2788 0r go to choiceone.org.

What we do

How does Choice One Community Federal 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 Choice One Community Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

  • open an account or give us your income information
  • provide employment information or apply for financing
  • show us your driver’s license

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 nonaffiliates to market to you

State law and individual companies may give you additional rights to limit sharing.

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 nonfinancial companies.

  • Choice One Community Federal Credit Union has no affiliates.

Nonaffiliates

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

  • Choice One Community Federal Credit Union does not share with our nonaffiliates 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 insurance companies.

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Choice One Community Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Choice One Community Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

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