Privacy and Security
Personal Information
Information Protection
Definitions
Limit Sharing
- 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.
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.
- Does Ignite Credit Union share – Yes
- Can you limit this sharing – No
For our marketing purposes – to offer our products and services to you.
- Does Ignite Credit Union share – Yes
- Can you limit this sharing – No
For joint marketing with other financial companies.
- Does Ignite Credit Union share – Yes
- Can you limit this sharing – Yes
For our affiliates’ everyday business purposes – information about your transactions and experiences.
- Does Ignite Credit Union share – No
- Can you limit this sharing – We don’t share
For our affiliates’ everyday business purposes – information about your creditworthiness.
- Does Ignite Credit Union share – No
- Can you limit this sharing – We don’t share
For our affiliates and non-affiliates to market to you.
- Does Ignite Credit Union share – No
- Can you limit this sharing – We don’t share
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.
To limit our sharing call 269.965.7281
or toll-free at 888.860.6928 – our menu will prompt you through your choice(s)
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 non-affiliates 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.
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Ignite Credit Union has no affiliates.
Non-affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Ignite Credit Union 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.
- Insurance companies
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.
Ignite Credit Union recognizes its responsibility to safeguard and protect the nonpublic personal information of our members and in some circumstances non-members. The purpose of this policy is to set forth guidelines under which such information may be shared with third parties, the circumstances in which we will provide disclosures to our members regarding the sharing of such information, and the measures employed to protect and keep such information confidential. It is the intent of the Credit Union to abide by all applicable laws and regulations governing privacy, including but not limited to National Credit Union Administration Regulation 716 (Privacy of Consumer Financial Information).