Privacy Policy - Filer Credit Union

Facts

What does Filer 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 Filer Credit Union’s Privacy Policy.

What

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

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 Filer Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Filer 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	No	We don’t share
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 nonaffiliates to market to you	No	We don’t share

Questions

Call: 231-723-3400 or 800-595-6630, send us an email at mainoffice@filercu.com or write
us at Filer Credit Union, PO Box 375, Manistee, MI 49660.

What we do
How does Filer 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 Filer Credit Union collect my personal information?	We collect your personal information, for example, when you open an account or apply for a loan 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 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 nonfinancial companies. Our affiliates include SC24 and CU Answers.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Filer Credit does not share with Nonaffiliates
Joint marketing	A formal agreement between Filer Credit Union and a nonaffiliated financial company where we jointly market financial products or services to you. Our joint marketing partners include insurance companies.