Privacy Policy

Privacy Policy

WHAT DOES LINKAGE 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 and payment history
• Credit history and credit scores
  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 Linkage Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information on	Does Linkage 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 credit worthiness	No	We don’t share
For nonaffiliates to market to you	No	No

Questions?
Call 254.754.1168 or Toll Free 877.754.1168 or go to www.linkagecu.com.

What we do

How does Linkage 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 Linkage 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 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 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.

• Linkage Credit Union has no affiliates.

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

• Linkage 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.