Privacy Notice
Who We Are
Who is providing this notice? Journey Credit Union (JCU)
| Facts | What does JCU 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 transactions - Payment history and account balances - Credit history and income 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 JCU chooses to share and whether you can limit this sharing. |
| Reasons we can share your personal information | Does JCU share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purpose such as to process your transactions, maintain your account 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 our 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 |
Questions? Call (515) 243-8735
| What We Do | |
|---|---|
| How does JCU 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 JCU collect my personal information? | We collect your personal information, for example, when you - Open an account or deposit money - Apply for a loan or give us your contact information - 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 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 non financial companies.
- JCU has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and non financial companies.
- JCU does not share with 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.
- JCU has no joint marketing agreements.
At times, we may provide links to sites outside the control of our Credit Union. We do not make any representations concerning the linked sites’ contents or availability. You should review each site’s privacy and information security policies carefully before you enter confidential information. Deposit and loan products offered by Journey Credit Union. This credit union is federally insured by the National Credit Union Administration. The standard insurance amount is $250,000 per depositor.
At times, we may provide links to sites outside the control of our Credit Union. We do not make any representations concerning the linked sites’ contents or availability. You should review each site’s privacy and information security policies carefully before you enter confidential information. Deposit and loan products offered by Journey Credit Union. This credit union is federally insured by the National Credit Union Administration. The standard insurance amount is $250,000 per depositor.
Equal Housing Lender.
Equal Housing Lender.
