Privacy Policy

 

PRIVACY NOTICE (PDF Version)

WHAT DOES EDUCATIONAL COMMUNITY ALLIANCE CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

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.

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
  • Account Balances
  • Payment history
  • Credit History
  • Credit card or other debt
  • Checking account information

When you are no longer our member, we continue to share your information as described in this notice.
All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Educational Community Alliance Credit Union chooses to share; and whether you can limit this sharing.

All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Educational Community Alliance Credit Union chooses to share; and whether you can limit this sharing

For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders, for our marketing purposes -and legal investigations, or report to credit bureaus. Does Educational Community Alliance Credit Union share? Yes. Can you limit this sharing? No

For our marketing purposes – To offer our products and services to you
Does Educational Community Alliance Credit Union share? Yes. Can you limit this sharing? No

For joint marketing with other financial companies
Does Educational Community Alliance Credit Union share? Yes. Can you limit this sharing? Yes

For our affiliates’ everyday business purposes –Information about your transactions and experiences
Does Educational Community Alliance Credit Union share? Yes. Can you limit this sharing?Yes

For our affiliates’ everyday business purposes –Information about your credit worthiness
Does Educational Community Alliance Credit Union share? No. Can you limit this sharing? We Don’t Share

For non-affiliates to market to you
Does Educational Community Alliance Credit Union share? Yes. Can you limit this sharing? Yes

To limit sharing:
Call, 419-381-2323 or toll free- 1-866-381-2323      Please note: If you are a new member, we can begin sharing your information (30) days from the date we sent this notice.

How does Educational Community Alliance  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 Educational Community Alliance Credit Union collect my personal information?

We collect your personal information, for example, when you:
• Open an account Make deposits or withdrawals Apply for a loan from your account
• Use your credit or debit card Show your drivers license
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 credit worthiness
• 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?
What happens when I limit sharing for an account that I’m not the primary owner but joint owner?
Your choices will apply to everyone on your account- unless you tell us otherwise.
If you are the joint owner, it will apply specifically to you unless you tell us otherwise.

How does Educational Community Alliance Credit Union utilize the location sharing feature on online banking
The EducaCU Mobile app periodically collects, transmits and uses geolocation information to enable feature(s) that prevent fraudulent card use and send alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background, only while the Solution is being used, or not at all depending on the End User’s selection. The End User can change his/her/their location permissions at any time in their device settings

Definitions: 
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies
Educational Community Alliance Credit Union does not have any affiliates.

Non-affiliates
Companies not related by common ownership or control. They can be financial or nonfinancial companies. Non-affiliates we share with can include insurance companies.

Joint marketing
A formal agreement between non-affiliate financial companies that together market financial products or services to you.
• Marketing partners include insurance companies.