Privacy Policy

Facts

What does Memorial Health 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 credit scores
Account balances and payment history
Credit history and transaction or loss 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 member’s 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 MEMORIAL HEALTH CREDIT UNION chooses to share; and whether you can limit this sharing.

  
  Reasons we can share your personal information
    Does Memorial Health Credit Union share?
    Can you
limit 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
    No
    No
  

  For our affiliates’ everyday business purposes –

information about transactions and experiences
    No
    No
  

  For our affiliates’ everyday business purposes –

information about your credit worthiness
    No
    We don't share
  

  For nonaffiliates to market to you
   No
    No
  

Reasons we can share your personal information	Does Memorial Health Credit Union share?	Can you limit 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	No	No
For our affiliates’ everyday business purposes – information about transactions and experiences	No	No
For our affiliates’ everyday business purposes – information about your credit worthiness	No	We don't share
For nonaffiliates to market to you	No	No

To Limit Our Sharing

Call 912-354-8100 or

Visit us online: memorialhealthcu.org

Please Note: If you are a new customer, we begin sharing your information 10 days from the date we sent this notice. When you are no longer our customer, 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 912-354-8100 or go to memorialhealthcu.org

Who we are

Who is providing this notice? Memorial Health Credit Union

What we do

How does Memorial Health 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 Memorial Health Credit Union collect my personal information?

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

apply for a loan or open an account
authorize a credit or debit to post to your account or order checks
give us contact or employment information or pay a bill
file an insurance claim

We also collect your information from others, such as credit bureaus, affiliates or 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 credit worthiness
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.

Our affiliates include financial companies, such as check ordering, check clearing, data processing, credit cards, debit cards and ATM network companies
Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates we share with can include business services, insurance, investment, and mortgage companies

Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or service to you.

Our joint marketing partners include check ordering, credit card, debit card, insurance, and investments services

Other important information

Memorial Health Credit Union is committed to protecting the privacy of its members. Members can help by doing the following: Protect your account numbers and passwords. Use caution when disclosing your account numbers. If someone calls you on behalf of the credit union and asks for account informaiton, you should be wary. Official credit union staff will have access to your information and will not ask for it. Keep your information current. If your address or phone number changes, please let us know. It is important that we have current informaiton on how to contact you in the event of potentially fraudulent or unauthorized activity.

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