Privacy Disclosure

Facts

What does Georgia Power Northwest Federal Credit Union do with your personal information?

 

Why?

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.

 

What?

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 scores. When you are no longer our member, we continue to share your information as described in this notice.

 

How?

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 members' personal information.; the reasons Georgia Power Northwest Federal Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information:

We share your personal information for our everyday business purposes, such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, or report to credit bureaus. You cannot limit this sharing.

 

We share your personal information for our marketing purposes, to offer our products and services to you. You cannot limit this sharing.

 

We share your personal information for joint marketing with our affiliates or other financial companies.  You can limit this sharing by contacting the credit union.

 

We share your personal information for our affiliates' everyday business purposes.  We share information about your transactions and experiences.  You cannot limit this sharing.

 

We share your personal information for our affiliates' everyday business purposes.  We share information about your credit worthiness.  You can limit this sharing by contacting the credit union.

 

We do not share your personal information for non-affiliates to market to you.

 

Who Are We

Who is providing this notice?

Georgia Power Northwest Federal Credit Union

 

What We Do

How does Georgia Power Northwest Federal 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.

 

How does Georgia Power Northwest Federal Credit Union collect my personal information?

We collect your personal information, for example, when you: open an account or make deposits or withdrawals; 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 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 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. See below for more on your rights under state law.

 

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

Sharing applies to all joint holders on the account. You cannot limit sharing for only one joint holder.

 

Definitions

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. Georgia Power Northwest Federal Credit Union has no affiliates.

 

Non-Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.  Non-affiliates we share with can include companies such as mortage companies, insurance companies, direct marketing companies, and nonprofit organizations.

 

Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you.  Our joint marketing partners include insurance companies, investment companies and direct marketing companies.

 

Other Important Information

Notices and "Joint Relationships." Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, to the email or internet address provided by said person; or we shall post or otherwise give notice by posting a notice, providing a link or using such other electronic methods sufficiency of any notice or notification sent according to this paragraph.

 

Modification. The Credit Union reserves the right to modify, change or amend this Privacy Policy and Agreement at any time without notice other than as expressly required by applicable law.

 

What members can do to help. Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. In particular, never keep your PIN with your debit card or credit card, as that makes you vulnerable in the event you lose your card or your card is stolen. Use caution in revealing account numbers, social security numbers, etc. to other persons. In particular, if a caller tells you he/she is calling you on behalf of the Credit Union and asks for this information, you should beware. Legitimate Credit Union staff would already have access to that information. It's important that the Credit Union has current information about how to reach you. If we detect potentially fraudulent use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

 

For Alaska, Illinois, Maryland, and North Dakota Members. We will not share personal information with non-affiliates either for them to market to you or for joint marketing without your authorization.

 

For California Members. We will not share personal information with non-affiliates 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 non-affiliates either for them to market to you or for joint marketing without your authorization.

 

For Vermont Members. We will not share personal information with non-affiliates either for 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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