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Rev. 3/31/2018

FACTS


WHAT DOES iQ 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 iQ Credit Union’s Privacy Policy.

At iQ Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by iQ Credit Union. This notice explains what types of member information we collect and under what circumstances we may share it

What?


The types of personal information we collect and share depend on the accounts or services you have with us. This information can include:

  • Social Security number and income
  • Account balances and transaction history
  • Credit history and credit scores

When you are no longer our member, we will not share your information except as permitted or required by law 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 reasons iQ Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does iQ 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 No
For our affiliates' everyday business purposes –
Information about your transactions and experiences
Yes No
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 360.695.3441 or toll-free at 800.247.4364, log in to Online Banking at iQcu.com and send us a secured message through the Member Service module, or write to us at: iQ Credit Union, PO Box 1739, Vancouver WA 98668-1739.

Who we are


Who is providing this notice?

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 restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you.

How does iQ Credit Union collect my personal information?

We collect your personal information, for example, when you

  • Open an account or apply for a loan
  • Use your credit or debit card or pay your bills
  • Make deposits to or withdrawals from your accounts

We also collect your personal information from others, including credit bureaus or other companies.

Why can't I limit all sharing?

Federal law only gives you the right to limit information sharing as follows:

  • 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 – unless you tell us otherwise.

Definitions


Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include financial companies such as Clark Financial Services, Inc.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • iQ Credit Union does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between iQ Credit Union and a nonaffiliated financial company where we jointly market financial products or services to you.

  • Our joint marketing partners include financial service providers.
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