Notice of Your Financial Privacy Rights
Badger Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for the Credit Union.
To ensure that you can rely up on the quality of products and services we make available, your credit union stands behind the following privacy policies:
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FACTS
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WHAT DOES BADGER CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
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Why?
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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.
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What?
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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
- Account Balances
- Credit scores
- Assets
- Mortgage rates and payments
- Checking account information
When you are no longer a member, we continue to share your information as described in this notice.
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How?
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All financial companies need to share memberspersonal information to run their everyday business. In the section below, we list the reasons financial companies can share their memberspersonal information; the reasons Badger Credit Union chooses to share; and whether you can limit this sharing
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Reasons we can share your personal information
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Does Badger Credit Union share?
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Can you limit this sharing?
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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
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Yes
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No
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For our marketing purposes -
To offer our products and services to you
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No
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We dont share
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For joint marketing with other financial companies
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Yes
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No
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For our affiliateseveryday business purposes -
Information about your transactions and experiences
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No
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We dont share
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For our affiliateseveryday business purposes -
Information about your credit worthiness
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No
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We dont share
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For nonaffiliates to market to you
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No
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We dont share
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Questions
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Call 715-582-4002 or go to www.badgercreditunion.com
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What We Do
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How does Badger Credit Union protect my personal information
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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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
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How does Badger Credit Union collect my personal information?
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We collect your personal information, for example, when you
- Open an account
- Provide your mortgage information
- File an insurance claim
- Make a wire transfer
- Give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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Why cant I limit all sharing?
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Federal law give you the right to limit only
- Sharing for affiliateseveryday 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. See below for more on your rights under state law
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Definitions
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Affiliates
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Companies related by common ownership or control.. They can be financial and non-financial companies.
- Badger Credit Union has no affiliates.
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Nonaffiliates
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Companies not related by common ownership or control. They can be financial and non-financial companies.
- Badger Credit Union does not share with nonaffiliates so they can market to you
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Joint Marketing
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A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include insurance companies
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Other Important Information
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For Alaska, Illinois, Maryland and North Dakota members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Members. We will not share personal information with nonaffiliates wither from them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.
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