What does the Eastern Michigan University 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 need to share members’ personal information to run their everyday business. In the section below, we list reasons financial companies can share their members’ personal information, the reasons Eastern Michigan University Credit Union chooses to share, and whether you can limit sharing.

Reasons we can share your personal information Does EMUCU 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 affiliates to market to you

No We do not share

For non-affiliates to market to you

No We do not share

TO LIMIT EMUCU SHARING:

  • Please call 734-487-1033 or 800-968-8628 and a Member Services Representative will assist you in opt-out preferences.
  • Log into Online Banking to send us a message with opt-out preferences.

Please note:

If you are a new member, we can begin sharing your information 30 days from the date we sent 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 734-487-1033 or 800-968-8628 or write us at P.O Box 7850, Ann Arbor, MI 48107.

Who is providing this notice?

Eastern Michigan University Credit Union

How does EMUCU 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.

How does EMUCU collect my personal information?

We collect your personal information, for example, when you:

  • Open an account
  • 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’ every day business purposes – information about your credit worthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.
 

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

Your choices will apply to everyone on your account.

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. EMUCU has no affiliates.

Non-affiliates: Companies not related by common ownership or control. They can be financial or non-financial companies. EMUCU does not share with non-affiliates so they can market to you.

Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include categories of companies such as financial service providers and insurance companies.

EMUCU uses Google Analytics, a service that uses “cookies” to track anonymous information regarding your activities on this site. This includes information about your visit including your device type, traffic source and geographic area, as well as pages visited and links clicked. Some behavioral data may be provided by Google “cookies” that shows your gender and age range. This data is used to better understand how visitors access this site and provide a better overall user experience.
EMUCU 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 be used to present you with advertisements based on your actions on this site.

EMUCU 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, as well as to build remarketing audiences based on actions taken on this site.

EMUCU takes your privacy seriously and ensures that no personally identifying information is stored in the “cookies."

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