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Privacy Policy

WHAT DOES GERBER FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Facts

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 (SSN) and income
  • Payment history and transaction or loss history
  • Credit history and credit scores

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 Gerber Federal Credit Union chooses to share; and whether you can limit this sharing.

 
Reasons we can share
your personal information		 Does Gerber 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 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 non-affiliates to market to you Yes Yes

 

To limit our sharing


Call (231) 924-4880, our menu will prompt you through your choices. Or click here: Limit Sharing

Please note: 
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, 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 (231) 924-4880

Who we are


Who is providing this notice? Gerber Federal Credit Union

What we do


How does Gerber 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.

How does Gerber Federal 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 others.

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.

What happens when I limit sharing for an account I hold jointly with someone else?


Your choices will apply to everyone on the account.

Definitions


Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.

  • Gerber Federal Credit Union has no affiliates.

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

  • Nonaffiliates we share with can include credit bureaus, mortgage companies, insurance companies, financial institutions, third party service providers, attorneys, appraisers, title companies, etc.

Joint marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include credit card companies and indirect dealers.

Other important information


Location Information: If you use our mobile banking application on your mobile device, we may collect and process information about your actual location. We use this opt-in data to provide relevant messaging, even when the app is not open on your screen, to tailor our products and services for you, and to occasionally offer you promotions of interest. You can enable or disable access to this information at any time, through your device settings.