|FACTS:||WHAT DOES MERRIMACK VALLEY 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:
|How?||All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Merrimack Valley Credit Union chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Merrimack Valley 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 to report to credit bureaus
|For our marketing purposes –
to offer our products and services to you
|For joint marketing with other financial companies||Yes||No|
|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 our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||No||We don't share|
|To limit our sharing||
However, you can contact us at any time to limit our sharing.
|Questions?||Call toll-free 800-356-0067 or go to mvcu.com|
|What we do|
|How does Merrimack Valley 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 Merrimack Valley Credit Union collect my personal information?||
We collect your personal information, for example, when you
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
State law and individual companies may give you additional rights to limit sharing. See below or more on your rights under state law.
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account.|
Companies related by common ownership or control. They can be financial and nonfinancial companies.
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|Other Important Information|
Information for California, North Dakota, and Vermont Members
In response to applicable state law, if the mailing address provided for your account is in California, North Dakota, or Vermont, we will automatically treat your account as if you do not want us to disclose your personal information to nonaffiliated third parties for purposes of them marketing to you, except as permitted by applicable state law.