Privacy Disclosure

At WMCU, we recognize that privacy and security of personal financial information is a concern to our members. We have taken the utmost care in establishing and implementing policies and procedures to protect this information. This Member Privacy disclosure describes how WMCU collects and uses your personal information and how we maintain the confidentiality and accuracy of such information. This disclosure also describes how you can verify the accuracy of information regarding your relationship with us. This disclosure applies to former WMCU Member as well as existing Members.

If you have any questions or concerns, please contact us at 1319 Front St. Grand Rapids, MI 49504.

FACTS

WHAT DOES WEST MICHIGAN 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 account balances
  • Credit history and credit scores
  • Income and payment history

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

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

Questions?

Call (800) 442-4576 x202 or (616) 451-4567 x202 or go to www.westmichigancu.com

What we do

How does West Michigan 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 West Michigan Credit Union collect my personal information?

We collect your personal information, for example, when you

  • Open an account or show your government-issued ID
  • Give us your income information or apply for financing
  • Give us your contact information

We also collect your personal information from others, such as 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 law 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.

  • West Michigan Credit Union has no affiliates

Nonaffiliates

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

  • West Michigan Credit union does not share with our nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include CUNA Mutal Group’s MEMBERCONNECT and CUSO Financial Services.

Other important information