At United Bay Community Credit Union (Ubay), your privacy is important to us. This
Privacy Policy is intended to disclose how we treat information you provide to us.
Facts
What does United Bay Community 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 Income
- Account Balances, Transaction History and Payment History
- Credit History and Credit Scores
How?
All financial companies need to share member’s personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their
member’s personal information; the reasons United Bay Community Credit Union chooses to
share; and whether you can limit this sharing.
| Reasons we can share your personal information |
Does United Bay Community 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 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 our affiliates to market to you |
No |
We don’t share |
| For nonaffiliates to market to you |
Yes |
Yes |
To limit our sharing
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 (800) 968-7696
Who we are
Who is providing this notice?
United Bay Community Credit Union
What we do
How does United Bay Community 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 United Bay Community Credit Union collect my personal information?
We collect your personal information, for example, when you
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your credit or debit card
- We also collect your personal information from others, such bas 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 laws and individual companies may give you additional rights to limit sharing.
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.
- United Bay Community Credit Union has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Non-affiliates we share with can include categories of companies,
such as: financial service providers, insurance companies,
non-profit organizations.
Joint marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include categories of companies, such as: financial service providers, insurance companies.
Children's Privacy
The Children’s Online Privacy Protection Act (COPPA) requires the Federal Trade Commission (FTC) to issue and enforce rules concerning children’s online privacy. The primary goal of the Act and the Rule is to place parents in control over what information is collected from their children online. United Bay Community Credit Union does not knowingly collect, nor is our website designed or directed to use, personal information from children under the age of 13 without obtaining verifiable consent from a parent or legal guardian. Unless applying for United Bay Community Credit Union membership, no information is collected from children to participate in the online activities and information found in these areas of our web site.
Ubay is not responsible for the data collection and use practices of nonaffiliated third parties. For more information about COPPA, please visit the Federal Trade Commission’s website at www.ftc.gov.
