What Does NESC Federal 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 Transaction History
- Credit History and Credit Scores
When you are no longer our customer, 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 NESC Federal Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons We Can Share Your Personal Information |
Does NESC Federal 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 |
No |
We Do Not Share |
For our affiliates' everyday business purposes–
information about your transactions and experiences |
No |
We Do Not Share |
For our affiliates' everyday business purposes–
information about your creditworthiness |
No |
We Do Not Share |
| For our affiliates to market to you |
No |
We Do Not Share |
| Who We Are |
| Who is providing this notice? |
NESC Federal Credit Union |
| What We Do |
| How does NESC Federal 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.
Non-public information is restricted to employees who need to know that information to provide you services.
|
| How does NESC Federal Credit Union collect my personal information? |
We collect your personal information, for example, when you:
- open an account or deposit money
- apply for a loan or use your credit or debit card
- 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 non affiliates 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 non-financial companies.
- NESC Federal Credit Union does not share with our affiliates
|
| Non-affiliates |
Companies not related by common ownership or control. They can be financial and non-financial companies.
- NESC Federal Credit Union does not share with non-affiliates so they can market to you
|
| Joint marketing |
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include Cuna Mutual.
|
If you have any questions, please call us at 978-688-8800.
SMS Text Privacy Policy
Information Collection
We collect your phone numbers only when you voluntarily provide them to us.
Usage of Collected Information
Your phone numbers are primarily used to provide you with personalized communication and service and for anti-fraud verification texts. These text messages may relate to our products, services, discounts, or any updates that we think may interest you.
Information Sharing
SMS opt-in and phone numbers collected for SMS purposes will not be shared with third parties or affiliates for marketing purposes.
Web Site Privacy
NESC Federal Credit Union values your interest in learning more about our products and services, for which this site was developed, and we strive to protect the personal privacy of the visitors to our Web site. NESC Federal Credit Union's policy is to limit the collection and storage of personal information only to that which is necessary for us to operate our business, provide you with quality service, and offer you opportunities we think might be of interest.
When you visit any Web site, your "IP address" is recorded. This information is used solely for analytical purposes and discarded after use and is not distributed to third parties. We also do not utilize a technology called "cookies” to customize the site or to read information stored in "cookies" from other Web sites.
To provide our members with information about other member benefits, our site contains links to other sites. While we hope these organizations join us in respecting your privacy, NESC Federal Credit Union is not responsible for the content or privacy practices of these other Web sites.
