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Privacy Statement

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Onaway Community Federal Credit Union.

This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members:

  • Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):
    • Share account
    • Loan account
    • Credit card account
    • Safe deposit box
    • Insurance policies issued by or through us
    • Self-directed Individual Retirement Account
  • Former members

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information
means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
An affiliate
is a company we own or control.
A nonaffiliated third party
is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

  • Information you give us on applications or other forms such as a website
  • Information about your transactions with us
  • Information about your transactions with other parties
  • Information from a consumer reporting agency
  • Information about you from our website such as email address
  • Information we receive through our Customer Identification Program

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER MEMBERS

We have the same policy about disclosing information about former members as we do about current members.

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

  • Information you give us on an application or other forms, such as:
  • Name
  • Address
  • Social Security Number
  • Date of birth
  • Gender
  • Phone number
  • Date of enrollment

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

State Limitations

AL, AK, CA, ID and VT - We will not share this information about members who reside in Alabama, Alaska, California, Idaho or Vermont. MA, MS and NJ - We will not share any information derived from share relationships with us about members who reside in Massachusetts, Mississippi or New Jersey.

Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

  • Financial service providers, such as:
  • Insurance agents

Reasons For Disclosing

We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.