What does the University of Michigan Credit Union do with your personal information?
- 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.
- 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 score
- All financial companies must share members’ personal information to run their everyday business. In the section below, we list reasons financial companies can share their members’ personal information, why the University of Michigan Credit Union chooses to share, and whether you can limit sharing.
Reasons we can share your personal information | Does UMCU share? | Can you limit this sharing? |
|---|---|---|
For everyday business purposes – such as processing transactions, maintaining account(s), responding to court orders and legal investigations, or reporting 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 | Yes |
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 affiliates to market to you | No | We do not share. |
For non-affiliates to market to you | No | We do not share. |
TO LIMIT UMCU SHARING:
- Please call 734-662-8200 or 800-968-8628, and a member services representative will assist you with your opt-out preferences.
- Log into Online Banking to send us a message with your opt-out preferences.
Please note:
If you are a new member, we can share your information 30 days after sending this notice. When you are no longer our member, we continue to share your information as described in this notice. You can contact us at any time to limit our sharing.
Questions?
Call 734-662-8200 or 800-968-8628 or write us at P.O Box 7850, Ann Arbor, MI 48107.
Definitions
Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. UMCU has no affiliates.
Non-affiliates: Companies not related by common ownership or control. They can be financial or non-financial companies. UMCU does not share with non-affiliates so that they can market to you.
Joint Marketing: A formal agreement between non-affiliated financial companies that market your financial products or services. Our joint marketing partners include categories of companies such as financial service providers and insurance companies.
Google Analytics
UMCU uses Google Analytics, a " cookies " service, to track anonymous information about your activities on this site. This includes information about your visit, including your device type, traffic source, geographic area, pages visited, and links clicked. Google “cookies” may also provide some behavioral data, such as your gender and age range. This data is used to understand better how visitors access this site and provide a better overall user experience.
Google Adwords and Remarketing
UMCU uses “cookies” to benefit our marketing campaigns. This includes tracking when campaigns result in a conversion, such as a user showing interest in a specific product. These “cookies” can also present you with advertisements based on your actions on this site.
Facebook Pixel
UMCU uses the Facebook Pixel to track activity on this site, potentially including pages visited and links clicked. This data is used to track the effectiveness of our Facebook posts and advertisements and build remarketing audiences based on actions taken on this site.
UMCU takes your privacy seriously and ensures no personally identifying information is stored in the “cookies."
To opt out of Google’s cookies, click here. To opt out of third-party cookies, click here.
Mobile App Image Privacy
The UMCU Android and iOS (Apple) applications request access to your device photos to utilize our Go Blue Mobile Deposit (Remote Check Deposit Capture) feature. We do not share your images with third parties except those needed to process the check deposit. We do not access or store any photos except those you selected to share the front and back of a check. This information is not used for marketing or other purposes except to enable this application's Go Blue Mobile Deposit feature.