Notice of privacy policy
What you need to know about our privacy policy.
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 income, account balances and transaction 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 customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons OnPoint Community Credit Union chooses to share, and whether you can limit this sharing.
Reasons we can share your personal information.
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausFor our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausFor our marketing purposes—
to offer our products and services to youFor our marketing purposes—
to offer our products and services to youFor joint marketing with other financial companies
For joint marketing with other financial companies
For our affiliates’ everyday business purposes—
information about your transactions and experiencesFor our affiliates’ everyday business purposes—
information about your transactions and experiencesFor our affiliates’ everyday business purposes—
information about your creditworthinessFor our affiliates’ everyday business purposes—
information about your creditworthinessFor our affiliates to market to you
For our affiliates to market to you
For nonaffiliates to market to you
For nonaffiliates to market to you
Does OnPoint Community Credit Union share?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYes
For our marketing purposes—
to offer our products and services to youYes
For joint marketing with other financial companies
Yes
For our affiliates’ everyday business purposes—
information about your transactions and experiencesYes
For our affiliates’ everyday business purposes—
information about your creditworthinessNo
For our affiliates to market to you
No
For nonaffiliates to market to you
No
Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausNo
For our marketing purposes—
to offer our products and services to youNo
For joint marketing with other financial companies
No
For our affiliates’ everyday business purposes—
information about your transactions and experiencesNo
For our affiliates’ everyday business purposes—
information about your creditworthinessWe don’t share
For our affiliates to market to you
We don’t share
For nonaffiliates to market to you
We don’t share
Questions?
Call us at 503.228.7077 or toll-free at 800.527.3932.
Who we are
Who is providing this notice?
OnPoint Community Credit Union; OnPoint Service Group, LLC
What we do
How does OnPoint Community 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. We also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you.
How does OnPoint Community Credit Union collect my personal information?
We collect your personal information, for example, when you:
- open an account or apply for a loan
- use your credit or debit card or pay your bills
- make deposits to or withdrawals from your accounts
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 nonfinancial companies.
- OnPoint Service Group, LLC, a provider of financial services
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- OnPoint Community Credit Union 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.
- Our joint marketing partners include investment and financial service providers and insurance companies