Important Notice About Your Personal Information
We are required by law to provide you with this notice in order to inform and explain to you how we collect, use and safeguard your personal financial information. If you have any questions about this disclosure or what it says, please contact a member service representative at 313-274-5030.

Information We Collect About You

• From membership and other applications for products and services, we obtain such as, but not limited to, your name, address, social security number, employer, income, and account information at other financial institutions.
  
  
• From transactions about us and other companies we work with to provide you with products and services, we obtain information such as account balances, payment histories, parties to transactions and credit card usage.
  
  
• From consumer reporting agencies we obtain information related to your creditworthiness.

Information About You We Share
We disclose information we collect about you under certain circumstances as permitted by law. The disclosure of this information typically includes processing transactions on your behalf, as you authorize us to provide you with a product or service, to conduct the operation of this credit union and to protect the security of our financial records.

In order to provide you with certain products and services, we sometimes disclose your information with other organizations. In some cases, we enter into agreements with third parties to provide these products and services to you on our behalf, or to jointly market products and services. For example, as a benefit of membership, we make insurance products available to you at discounted premiums. In order to do this, we provide information such as your name and address to the insurance company that offers its products to you. To protect your privacy, we only do business with companies that agree in writing to maintain strong confidentiality protections. We restrict these companies to using your information only to maintain strong confidentiality protections. We restrict these companies to using your information only for the reason we have given to them, and for no other purpose.

In the event that you terminate your membership, we will not share any of your information we have collected about you except as permitted or authorized by law.

How We Protect Your Information
Under no circumstances do we provide any information we collect about you to telemarketers or other third parties that do not act on your behalf as a member of this credit union.

We restrict access to nonpublic personal information about you to only those employees who have a specific business purpose for accessing and utilizing this information. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic and procedural safeguards as part of a comprehensive risk management system that complies with federal regulations to protect the security of your information and to protect against unauthorized access and use of that information.