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Privacy Policy

Privacy Policy

WHAT DOES NIAGARA FRONTIER FEDERAL MUNICIPAL EMPLOYEES 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
  • Debit Card and Credit History
  • Payment History and Transaction or Loss 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 members’ personal information; the reasons Niagara Frontier Federal Municipal Employees Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information onDoes Niagara Frontier FMECU 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		YesNo
For our marketing purposes
to offer our products and services to you		YesNo
For joint marketing with other financial companiesNoWe don’t share
For our affiliates’ everyday business purposes
information about your transactions and experiences		NoWe don’t share
For our affiliates’ everyday business purposes
information about your credit worthiness		NoWe don’t share
For nonaffiliates to market to youNoWe don’t share

Questions?
Call 888-266-4747 or Toll Free 877.754.1168 or go to your local branch for more information.

What we do

How does Niagara Frontier Federal Municipal Employees 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 Niagara Frontier Federal Municipal Employees Credit Union collect my personal information?
We collect your personal information, for example, when you

  • Open an account or Wire Transfer
  • Apply for Financing or Give us your Contact Information
  • Make Deposits or Withdrawals from your Account

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

Definitions

Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Niagara Frontier Federal Municipal Employees Credit Union has no affiliates.

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

  • Niagara Frontier Federal Municipal Employees 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.