What does Cares Credit Union (Rally) 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 Cares Credit Union chooses to share; and whether you can limit this sharing.
|
Reasons we can share your personal information |
Does Cares Share? |
Can You Limit This Sharing? |
|---|---|---|
| For our everyday business purposes– such as to process your transactions, maintain your account(s), report to credit bureaus respond to court orders, legal investigations |
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 do not share. |
| For our affiliates’ everyday business purposes– information about your creditworthiness |
No | We do not share. |
| For nonaffiliates to market to you. | No | We do not share. |
Questions?
Call toll-free 1-+14379981479
Who We Are
Who is providing this notice?
Cares Credit Union
What we do
How does Cares 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.
Cares regularly tests and assesses its information security measures, systematically trains employees, and adopts upgrades and enhancements as necessary to protect your information.
How does Cares 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/check 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
- sharing for 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. See below for more on your rights under state law.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Cares Credit Union has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Cares does not share with nonaffiliates so that they can market to you, except in connection with our joint marketing agreements.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include investment, insurance, and other financial services companies.
Other important information
California Members: If your account has a California billing address, we will not share your personal information except to the extent permitted under California law.