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.
Download PDF of the Privacy Disclosure – Rev. 4/21
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 – |
Yes | No |
|
For our marketing purposes – |
Yes | No |
| For joint marketing with other financial companies | Yes | No |
|
For our affiliates’ everyday business purposes – |
No | We don’t share |
|
For our affiliates’ everyday business purposes – |
No | We don’t share |
| For nonaffiliates to market to you |
No | We don’t share
|
Questions?
Call (800) 442-4576 xOption 0 or (616) 451-4567 xOption 0 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 insurance companies.
Other Important Documents:
Working together as the most trusted resource to help our members' financial lives be simply better.