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Westerly Community Credit Union Privacy Policy

Rev. 9/2015
FACTS WHAT DOES Westerly Community 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 Income
  • Account Balances and Payment History
  • Credit History and Credit Scores
When you are no longer our member, 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 Westerly Community Credit Union (WCCU) chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does WCCU 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
NO We do not share
For our affiliates’ everyday business purposes —
information about your creditworthiness
NO We do not share
For our affiliates to market to you NO We do not share
For non-affiliates to market to you NO We do not share
 
To Limit Our Sharing

Call 800.320.1441 or 401.596.7000

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 800.320.1441, 401.596.7000 or go to www.westerlyccu.com
 
Who We Are
Who is providing this notice? Westerly Community Credit Union (WCCU)
What We Do
How does WCCU 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 WCCU 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
State laws 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.

  • Westerly Community Credit Union has no affiliates
Non-affiliates

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

  • Westerly Community Credit Union 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 investment, insurance and other financial services companies

 

We are committed to protecting your privacy.
We have created this privacy statement in order to demonstrate our firm commitment to your privacy. The following discloses the information gathering and dissemination practices for our web site:

Visitors to the Westerly Community Credit Union web site will remain anonymous. We do not collect personal identifying information about visitors to our site.

We use your IP address to help diagnose problems with our server, and to administer our web site. Our servers collect standard nonidentifying information about visitors to the site, such as date and time visited, IP address, city, state, and country. This information is used to compile standard statistics on site usage.

We use cookies for our loan calculators, as well as to deliver content specific to your interests.

If you have provided identification (such as name and address) via e-mail or information request forms, the information will only be used to communicate with you to handle your request. It is not sold or transferred to other parties.

This site contains links to community web sites. Westerly Community Credit Union is not responsible for the privacy practices or the content of such web sites.

Children Online Privacy Protection Act
Westerly Community Credit Union does not knowingly collect information about children under the age of 13 per the Children Online Privacy Protection Act (COPPA).

About our information request forms and e-mail
Any information provided to us through our web site (i.e. e-mail or information request forms) will be used solely for answering member questions, or conducting Credit Union business. Demographic information – including name, age, e-mail or mailing addresses – will not be distributed, or sold, to any outside source. Our request forms ARE NOT SECURE. Please do not send sensitive information through our information request forms or by e-mail.

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