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We, our, and us,
when used in this notice, mean Greater Cincinnati Credit
Union.
This is our privacy notice for our members. When we
use the words "you" and "your" we mean the following
types of members:
- Our consumer members who have a continuing relationship
by purchasing or holding financial products or services
such as a(n):
- Share account
- Loan account
- Credit card account
- Safe deposit box
- Automobile lease we service
- Financial, investment, or economic advisory
services
- All IRA accounts for which we act as custodian
We will tell you the sources of the information we
collect about you. We will tell you what measures we
take to secure that information.
We will tell you what information we share about you
with other entities. We will explain what your rights
are, and how you can exercise them. If you share an
account relationship with someone else, such as a joint
account holder or co-borrower, we suggest that you share
this information with such persons to ensure that each
of you is aware of our policy and your options.
We first define some terms.
Non-public personal information means information
about you that we collect in connection with providing
a financial product or service to you. Nonpublic personal
information does not include information that is available
from public sources, such as telephone directories or
government records. Hereafter, we will use the term
"information" to mean nonpublic personal information
as defined in this section.
An affiliate is a company we own or control.
A nonaffiliated third party is a person
we do not employ or a company that is not an affiliate
of ours. This is also known as nonaffiliated third party,
or simply, an "other party."
Opt out means a choice you can make to prevent
certain sharing of information. We will explain how
you can exercise this choice.
We collect information about you from the following
sources:
- Information you give us on applications or other
forms
- Information about your transactions with us
- Information about your transactions with our affiliates
- Information from a consumer reporting agency
We restrict access to information about you to those
employees who need to know that information to provide
products or services to you. We maintain physical, electronic,
and procedural safeguards to protect this information.
We may disclose information about you to our affiliates.
Here are the kinds of information and the source of
that information:
Transaction and experience information from our account
records:
Information about your transactions and experience
with us, such as:
- Name
- Address
- Account balances
- Account activity
- Types of accounts
- Credit card usage
- Payment history
- Deposit history
Federal law allows us to disclose the information listed
above with our affiliates. You do not have a right to
opt out of the disclosure of this information.
Other information not taken from transactions and experience:
Information you give us on an application or other
forms, such as:
- Social Security Number
- Assets
- Income
Information we receive from a credit reporting agency,
such as:
- Creditworthiness
- Credit history
You may opt out of the disclosure of the information
listed above.
Types Of Affiliates
We may disclose information about you to the following
types of affiliates:
- Financial service providers, such as:
In addition to our policy with respect to affiliates,
we may disclose information to other parties. Here are
the kinds of information we disclose to these other
parties:
- Information you give us on an application or other
forms, such as:
- Name
- Address
- Social Security Number
- Date of birth
You may opt out of the disclosure of the information
listed above.
Types of Other Parties
We may disclose information about you to the following
types of other parties:
- Financial service providers, such as:
We may also disclose information about you to other
parties as permitted by law.
Reasons For Disclosing
We may disclose information about you to other parties
to provide you with information about additional products
and services.
Future Disclosure To Other Parties
We also reserve the right to disclose the following
additional information about you to other parties in
the future:
- Information about your transactions with us, such
as:
You may opt out of the disclosure of the information
listed above.
We may disclose this information with the parties listed
under the heading Types of Other Parties, as well as
the following additional parties:
- Financial service providers, such as:
- Securities broker-dealers
We do not disclose information about former members,
except as permitted by law.
Affiliates. We are permitted to disclose
information about our transactions or experiences with
you to affiliates. You do not have the right to opt
out of the disclosure of this particular type of information.
We may also disclose other information to our
affiliates (that is, information beyond our transactions
and experiences with you), unless you tell us to not
disclose this other information.
Other Parties. If you do not want
us to share your information with other parties, you
can block the release of certain information. This is
known as your right to "opt out."
Your decision to block the disclosure of your information
will apply to information collected from all products
and services you receive from us. Remember, though,
that your opt out will not apply to information we share
that is related to your actual transaction and experience
with one of us, which we make available to our affiliates.
If you have obtained one or more products or services
jointly, each owner or purchaser has a separate right
to opt out. If one of you chooses to opt out of the
disclosure of your information and any other does not,
only information regarding the other parties who do
not opt out will be disclosed. However, each joint owner
or purchaser may opt out of the sharing of information
collected in conjunction with the product or service
on behalf of all other joint parties.
If you previously sent us an opt out, then we will
continue to apply your instruction to the information
you asked us not to share. You do not need to return
another opt out form.
If you wish to opt out of the disclosure of your information,
you may do so by checking the appropriate box(es) on
the Opt Out Notice that you received with this notice
and returning it to us at this address:
Greater Cincinnati Credit Union
2721 Central Parkway
Cincinnati, Ohio 45225
YOU
HAVE THE RIGHT TO CHOOSE
In this notice, we have explained our policy about
the disclosure of certain information.
Affiliates. We have explained the
kinds of information we may disclose to our affiliates.
We have also explained the kinds of affiliates with
whom we may disclose the information. If you prefer
that we do not disclose information to our affiliates
you may opt out of those disclosures, that is, you may
direct us not to make those disclosures (other than
the disclosures permitted by law).
Other Parties. We have explained the
kinds of information we may disclose to other parties.
We have also explained the kinds of other parties with
whom we may disclose the information. If you prefer
that we do not disclose information to these other parties,
you may opt out of those disclosures, that is, you may
direct us not to make those disclosures (other than
the disclosures permitted by law).
Your decision to block the disclosure of your information
will apply to information collected from all products
and services you receive from us. Remember, though,
that your opt out will not apply to information we share
that is related to your actual transaction and experience
with one of us, which we make available to our affiliates.
If you have obtained one or more products or services
jointly, each owner or purchaser has a separate right
to opt out. If one of you chooses to opt out of the
disclosure of your information and any other does not,
only information regarding the other parties who do
not opt out will be disclosed. However, each joint owner
or purchaser may opt out of the sharing of information
collected in conjunction with the product or service
on behalf of all other joint parties.
If you previously sent us an opt out, then we will
continue to apply your instruction to the information
you asked us not to share. You do not need to return
another opt out form.
If you wish to opt out of the disclosure of your information,
you may do so by checking the appropriate box(es) below
and returning this form to us at this address:
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