what does BlueOx 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. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Name, address, Social Security number, and income
- Account balances and payment history
- Credit history and credit scores
All financial companies need to share customers' 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 BlueOx Credit Union chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information:||Does BlueOx 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||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 our affiliates to market to you||No||We do not share|
|For nonaffiliates to market to you||No||We do not share|
limit our sharing
Call 269-965-7281 or toll-free at 800-648-8035 - our menu will prompt you through your choice(s) or visit us online: www.blueoxcu.org
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Call 269-965-7281 or toll-free at 800-648-8035 or go to www.blueoxcu.org.
who is providing this notice?
BlueOx Credit Union.
what we do
how does BlueOx 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, secured files and buildings, procedural safeguards, and safe record storage. We will continue to review and modify our security controls in the future to deal with changes in products, services, and technology.
how does BlueOx Credit Union collect my personal information?
We collect your personal information, for example, when you
- open an account
- apply for a loan
- use your credit or debit card
- pay your bills
- make deposits to or withdrawals from the accounts with us
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
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
what happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- BlueOx Credit Union has no affiliates.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- BlueOx Credit Union does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Insurance companies
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