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Rev 12/2010

FACTS

WHAT DOES SAFE HARBOR 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 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
  • Payment history and Account balances
  • Credit history and credit scores

When you are no longer our customer, 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 Safe Harbor Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Safe Harbor Credit Union share? 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 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
No We don't share
For our affiliates to market to you No Yes
For nonaffiliates to market to you No We don't share
To limit our sharing
  • Call 231.843.2323 or toll-free at 1.866.570.7233 or write us at P.O. Box 980, Ludington, MI 49431

Please note:
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 our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions? Call 231.843.2323 or stop by 1200 E. Tinkham Avenue, Ludington, MI 49431
Who We Are
Who is providing this notice? Safe Harbor Credit Union
What We Do
How does Safe Harbor 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 Safe Harbor Credit Unionl collect my personal information?

We collect your personal information, for example, when you

  • open an account or deposit money
  • apply for a loan or pay your bills 
  • use your debit or credit 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.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Safe Harbor Credit Union has affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Safe Harbor 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 insurance companies.

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