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 provided by Northeast Community
Credit Union carefully to understand what we do.
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,
income, account balances, payment history, credit history and
Financial companies need to share customers’ personal
information to run their everyday business.
We can share
your personal information for our everyday business purposes
such as to process your transaction, 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; and for our affiliates’ everyday business purposes,
information about your transactions and experiences.
Federal law does not allow you to limit this sharing. We
can share your personal information for our affiliates’ everyday
business purposes (information about your creditworthiness); for
our affiliates to market to you; and for non-affiliates to
market to you. You
can limit our sharing for certain of these purposes.
If you are a
new member, we can begin sharing your information 30 days from
the date we provide 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 during regular business hours to limit this.
How does Northeast Community
Credit Union protect my personal information?
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 Northeast Community
Credit Union collect my personal information?
your personal information, for example, when you open an
account, deposit money, pay your bills, apply for a loan and
when you use your credit or debit card.
We also collect your personal information from others
such as credit bureaus, affiliates, or other companies.
How do I limit or opt out of
gives you the right to limit only sharing for (a) affiliates’
everyday business purposes like information about your
creditworthiness, (b) affiliates from using your information to
market to you and (c) sharing for non-affiliates to market to
you. State laws and
individual companies may give you additional rights to limit
sharing. You can
“opt out” of having information disclosed to non-affiliated
third parties in certain situations.
To opt out, write us at NCCU, 980 Jason Witten Way,
Elizabethton, TN 37643 or call us collect at (423) 547-1200,
identifying yourself placing the call as “[your name] opting
are companies related by common ownership or control. They can
be financial or nonfinancial companies.
Non-affiliates are companies not related by common ownership or control.
They can be financial or nonfinancial companies.
Joint marketing is a formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
may report information about your account to credit bureaus and
other consumer reporting agencies.
Late payments, missed payments, or other defaults may be
reflected in your credit report or other consumer reports.