What does North Carolina Community Federal Credit Union do with your personal information?
Why?
Financial companies choose how they share 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 credit scores
income and payment history
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 member’s personal information; the reasons that North Carolina Community Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does North Carolina 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
No
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
How Does NCCFCU 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 NCCFCU Collect My Personal Information?
We collect your personal information, for example, when you:
open an account or pay your bills
apply for financing or make deposits or withdrawals from your account
use your credit or debit card
We also collect your personal information for 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 law and individual companies may give you additional rights to limit sharing.
Website Disclaimers
Exit Notification/Disclaimer Policy
Any external Website link which is provided on the NCCFCU Website is not under the control of the credit union and the credit union makes no representation concerning the content of this site, nor does a link serve as an endorsement of any site by the credit union.
The credit union does not represent either the third party or the member if the two enter into an agreement or transaction.
Please note that when you leave the credit union’s site, our privacy policy is no longer in effect. Privacy and security policies may differ from those offered by the credit union.
Links with this icon () indicate that you are leaving the NCCFCU Website.
The link may lead to an external site, but it provides additional information that is consistent with the intended purpose of a credit union site.
The North Carolina Community Federal Credit Union cannot attest to the accuracy of an external site.
Linking to a non-federal site does not constitute an endorsement by NCCFCU or any of its employees of the sponsors or the information and products presented on the site.
You will be subject to the destination site’s privacy policy when you follow the link.
Child On-Line Privacy and Protection Act (COPPA)
Our website and online services are not directed to children under the age of 13, and we do not knowingly collect, use, or disclose personal information from children under 13.
Definitions
AFFILIATES
Companies related by common ownership or control. They can be financial and non-financial companies.
North Carolina Community Federal Credit Union has no affiliates.
NONAFFILIATES
Companies not related by common ownership and control. They can be financial and non-financial companies.
North Carolina Community Federal Credit Union does not share with our nonaffiliates so they can market to you.
JOINT MARKETING
A formal agreement between non-affiliated financial companies that together market financial products or services to you. We may disclose all of the information we collect, as described in the above notice, to such companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
Our joint marketing partners include insurance companies.
Questions?
For more information on our Privacy Policy, you may write us at 2401 E. Ash Street, Goldsboro, NC 27534, or call us at 919-734-8224.
