Neighborhood Credit Union

Privacy Notice

Click here for the Texas Complaint Notification

Why?

Neighborhood Credit Union is owned by its members and run by a board of directors you elect. Your financial privacy is a top priority of your credit union. We are providing you this privacy notice to explain how we collect, use and safeguard your personal financial information.

Neighborhood Credit Union is committed to providing you with products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we enter into agreements with other companies that provide either services to us or additional financial products for you to consider. If you prefer that we not disclose information about you to certain companies, you may "opt out" of these disclosures. That is, you may direct us not to disclose information about you, as explained in this notice. This "opt out" will not apply to information that we may disclose about you to other nonaffiliated third parties as permitted or required by law.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.

What?

We may also disclose to third parties any information that we have about you, including but not limited to your name, your address, your social security number, your date of birth, your transaction history with us, your assets and your income. We may also disclose all the information we collect to companies that perform marketing or other services on our behalf or to other financial institutions with which we have joint marketing agreements.

Information we collect about you. We collect nonpublic personal information about your from the following sources: information we receive from you on applications or other forms; information about your transactions with us or others; and information we receive from a consumer-reporting agency.

Information we may disclose about you. We may disclose all of the information that we collect, as described above.

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

Reasons we share your personal information	Does Neighborhood 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.	Y	N
For our marketing purposes- to offer our products and services to you	Y	Y
For joint marketing with other financial companies	Y	Y
For our affiliates' everyday business purposes- information about your transactions and experiences	Y	Y
For our affiliates' everyday business purposes- information about your creditworthiness	Y	Y
For our affiliates to market to you	Y	Y
For our nonaffiliates to market to you	N	We do not share

To limit our sharing

Mail the Opt Out Member Notification Form or bring it to your nearest Neighborhood Credit Union branch.

Please note: If you are a new member, we can begin sharing your information from the date you receive 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 214.748.9393 / 800.321.3728 or go to myncu.com. Policy revised December 2009.

Who is providing this notice?

Neighborhood Credit Union

How does Neighborhood 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. We never give your specific financial information, account numbers, or Personal Identification Numbers (PINs) to third parties selling their own products or services to you.

How does Neighborhood 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 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

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

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include financial company Southwest Corporate Federal Credit Union, nonfinancial companies such as CUSC, CUNA, Experian, Transunion, Equifax, Ferrin CPA, SER Technologies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies

Nonaffiliate we share can include SWBC.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

NCU doesn't jointly market.

Opt Out Form

If you choose to opt out of these disclosures, please click here to complete the Opt Out Form which is a PDF file and return it to any of our convenient locations or mail it to our Member Service department. By completing this form, you are notifying Neighborhood Credit Union that you do not want to receive unsolicited information or offers from Neighborhood Credit Union business partners.