Privacy Notice

At Western Districts Members Credit Union, your privacy is very important to us. We know that our members expect privacy and security of their personal and financial affairs.

Western Districts Members Credit Union
Rev. 12/2010

FACTS
WHAT DOES WESTERN DISTRICTS MEMBERS 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

  • Income

  • Account balances

  • Payment history

  • Credit history

  • Credit scores


When you are no longer a member, we continue to share your information as described in this notice.
How?
All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reason Western Districts Members Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Western Districts Members Credit Union share?
Can you limit 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
No
For our affiliates' everyday business purposes - information about your transactions and experiences
No
We don't share
For our affiliates' everyday business purposes - information about your creditworthiness
No
We don't share
For nonaffiliates to market to you
No
We don't share
Questions?
Call 616-241-2516 or go to www.wdmcu.org
What We Do
 
How does Western Districts Members 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.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Western Districts Members 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

  • Make deposits or withdrawals from your account

  • Provide account information


We also collect your personal information from others, such as credit bureaus, affiliates, or other companies
Why can't I limit my 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. See below for more on your right under state law.
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Members. We will not share personal information with nonaffiliates 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 to apply to us.
For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Members. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.

Download Our Privacy Notice