WHAT DOES LIBERTY BAY 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 lawalso 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 income
  • Account Balances and payment history
  • Credit History and Credit Scores

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 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 Liberty Bay Credit Union chooses to share; and whether you can limit this sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial or non-financial companies.

  • Liberty Bay Credit Union has no affiliates

Non affiliates

Companies not related by common ownership or control. They can be financial or non-financial companies.

  • Non affiliates we share with can include insurance and credit card companies.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint-marketing partners include insurance and credit card companies.
Questions?

Call (800) 638-8526 or go to www.lbcu.org.

Reason we can share your personal informationDoes Liberty Bay Credit Union Share?Can you limit this sharing?
For 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 institutions.YESNO
For our affiliates’ everyday business purposes Information about your transactions and experiencesNOWE DON'T SHARE
For our affiliates’ everyday business purposes Information about your creditworthiness.NOWE DON'T SHARE
For non affiliates to market to you.NOWE DON'T SHARE

Who We Are

Who is providing this notice?

LIBERTY BAY CREDIT UNION

What We Do

How does Liberty Bay 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 Liberty Bay Credit Union collect my personal information?

We collect your personal information, for example, when you;

  • open an account or deposit money\
  • pay your bills or apply for a loan\
  • 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 non-affiliates to market to you
    State laws and individual companies may give you additional rights to
    limit sharing.
    (See below for more on your rights under state law).
Other Important Information

State Law - If you give us written permission to share your information about electronic funds transfers, such permission will expire after 45 days.