Privacy
 
 

PRIVACY NOTICE
 
FACTS
WHAT DOES West Michigan Postal Service Federal Credit Union (WMPSFCU)
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 balance and payment history
Transaction or loss histories.
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 customers’ personal information; the reasons WMPSFCU chooses to share; and whether you can limit this sharing.
 
 
Reasons we can share your personal information
Does WMPSFCU 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
No
For our marketing purposes—
to offer our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
Yes
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
 

 
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Who we are
Who is providing this notice?
West Michigan Postal Service FCU (WMPSFCU)
 
 
What we do
How does MSCU 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.
We only work with companies that agree to maintain strong confidentially protections and limit the use of information we provide.
How does MSCU 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 debit or credit card
 
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.
WMPSFCU has no affiliates
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
Non-affiliates we share with can include mortgages companies, insurance companies, direct marketing companies, debit and credit and processors, and credit reporting agencies.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include insurances companies.
 
 
Other important information
Address: P.O. Box 341, Muskegon, MI 49443
Phone: 231-722-3921
www.wmpsfcu.org