|FACTS||WHAT DOES IBMSECU 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.|
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
|How?||All financial companies need to share member's 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 IBMSECU chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does IBMSECU share?||Can you limit this sharing?|
|For our everyday business purposes- such as to process your transactions, maintain your accounts(s), 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||YES|
|For joint marketing with other financial companies||YES||YES|
|For our affiliates' everyday business purposes- information about your transactions and experiences||YES||NO|
|For our affiliates' everyday business purposes- information about your creditworthiness||YES||YES|
|For affiliates to market to you-||YES||YES|
|For nonaffiliates to market to you-||YES||YES|
|To opt out and limit our sharing||
If you are a new Member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a Member, we will continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
|Questions?||Call (800) 873-5100 or email firstname.lastname@example.org|
|Who we are|
|Who is providing this notice?||IBMSECU means IBM Southeast Employees' Credit Union.|
|What we do|
|How does IBMSECU 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 IBMSECU collect my personal information?||
We collect your personal information, for example, when you
|Why can't I limit sharing?||
Federal law gives us the right to limit only
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account.|
|Affiliates||Companies related by common ownership or control. They can be financial and non-financial companies.
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and non-financial companies.
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|Other Important Information|
For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Members/Customers.