Privacy Policy

Rev. 5/23

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: Social Security number and account transactions credit history and credit scores income and payment history
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	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
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

Call toll-free 800-356-0067 - our menu will prompt you through your choice(s) or
Visit us online: mvcu.com

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 member, 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 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 open an account or use your credit or debit card apply for financing or give us your contact information make deposits or withdrawals from your account 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 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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with RTN Insurance Agency LLC name.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Merrimack Valley Credit Union does not share with our 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 credit card companies, financial advisors and insurance companies.

Definitions

Affiliates

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

Our affiliates include companies with RTN Insurance Agency LLC name.

Nonaffiliates

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

Merrimack Valley Credit Union does not share with our 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 credit card companies, financial advisors and insurance companies.

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.

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.

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Privacy Policy