Privacy Policy

Gates Chili Federal Credit Union Privacy Policy

FACTS: WHAT DOES GATES CHILI 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 Gates Chili Federal Credit Union’s Privacy Policy. At Gates Chili Federal Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Gates Chili Federal Credit Union. This notice explains what types of member information we collect and under what circumstances we may share it.

What?

The types of personal information we collect and share depend on the accounts or services you have with us. This information can include:

  • Name, address, Social Security number, and income.
  • Account balances and transaction history.
  • Credit history and credit scores.

When you are no longer our member, we will not share your information except as permitted or required by law 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 Gates Chili Federal Credit Union chooses to share; and whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION

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.

Do we do this? Yes. Can you limit this sharing? No.

For our marketing purposes – to offer our products and services to you.

Do we do this? Yes. Can you limit this sharing? No.

For joint marketing with other financial companies.

Do we do this? Yes. Can you limit this sharing? No.

For our affiliates’ everyday business purposes – information about your transactions and experiences.

Do we do this? N/A. Can you limit this sharing? N/A.

For our affiliates’ everyday business purposes – information about your creditworthiness.

Do we do this? N/A. Can you limit this sharing? N/A.

For nonaffiliates to market to you.

Do we do this? No. Can you limit this sharing? No.

WHAT WE DO:

How does Gates Chili 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. We also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you.

How does Gates Chili Federal Credit Union collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or apply for a loan apply for any credit union service.
  • You visit our website, provide us information on any online application or transaction, or information you send to us by email.
  • Use your credit or debit card or pay your bills.
  • Make deposits to or withdrawals from your accounts We also collect your personal information from others, including credit bureaus or other companies.

Why can’t I limit all sharing?

Federal law only gives you the right to limit information sharing as follows:

  • Sharing for affiliates’ everyday business purposes—information about your creditworthiness.
  • Affiliates from using your information to market to you.
  • Use your credit or debit card or pay your bills.
  • Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

DEFINITIONS

Affiliates:

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

  • Gates Chili Federal Credit Union is not related by common ownership or control with any other companies.

Nonaffiliates:

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

  • Gates Chili Federal Credit Union does not share with nonaffiliates so they can market to you, except for marketing that they conduct jointly or on our behalf.

Joint marketing:

A formal agreement between Gates Chili Federal Credit Union and a nonaffiliated financial company where we jointly market financial products or services to you.

  • A formal agreement between Gates Chili Federal Credit Union and a nonaffiliated financial company where we jointly market financial products or services to you.

Questions? Call 585.247.1090, send us an email at gcfcu@gateschilifcu.org or write to us at: Gates Chili Federal Credit Union, 2870 Buffalo Road, Rochester, NY 14624.