WHAT DOES OSWEGO TEACHERS EMPLOYEES FEDERAL 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:
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 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 Oswego Teachers Employees Federal Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Oswego Teachers Employees Federal 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, and 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 | NO | We don’t share |
| For our affiliates’ everyday business purposes – information about your creditworthiness | NO | We don’t share |
| For affiliates to market to you | NO | We don’t share |
| For nonaffiliates to market to you | NO | We don’t share |
Questions?
Call (315) 342-4574 or go to www.oswegoteacherscu.org
What we do
How does Oswego Teachers Employees Federal 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 Oswego Teachers Employees Federal Credit Union collect my personal information?
We collect your personal information, for example, when you
When you use your debit card. Additionally, we gather information from others; i.e. credit bureaus and other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. We do not have any affiliates with whom we share.
Definitions
Affiliates
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.