We, our, and us,
when used in this notice, mean Old Hickory Credit Union and our
wholly-owned subsidiary, Member Advantage Corporation.
This is our privacy notice for our
members. When we use the words "you" and "your" we
mean the following types of members:
Our consumer members who have a
continuing relationship by purchasing or holding financial products
or services such as a(n):
Share account
Loan account
Credit card account
Safe deposit box
Automobile lease we service
All IRA accounts for which we act
as custodian
Former members
We will tell you the sources of the
information we collect about you. We will tell you what measures we take
to secure that information.
We will tell you what information we
share about you with other entities. We will explain what your rights
are, and how you can exercise them. If you share an account relationship
with someone else, such as a joint account holder or co-borrower, we
suggest that you share this information with such persons to ensure that
each of you is aware of our policy and your options.
We first define some terms.
Nonpublic personal information
means information about you that we collect in connection with
providing a financial product or service to you. Nonpublic personal
information does not include information that is available from
public sources, such as telephone directories or government records.
Hereafter, we will use the term "information" to
mean nonpublic personal information as defined in this section.
An affiliate is a
company we own or control.
A nonaffiliated third party
is a person we do not employ or a company that is not an affiliate
of ours. This is also known as nonaffiliated third party, or simply,
an "other party."
Opt out means a choice
you can make to prevent certain sharing of information. We will
explain how you can exercise this choice.
THE INFORMATION WE
COLLECT
We collect information about you from the
following sources:
Information you give us on
applications or other forms
Information about your transactions
with us
Information about your transactions
with our affiliates
Information about your transactions
with other parties
Information from a consumer reporting
agency
Information we receive as a result of
verifying member information
THE CONFIDENTIALITY,
SECURITY, AND INTEGRITY
OF YOUR INFORMATION
We restrict access to information about
you to those employees who need to know that information to provide
products or services to you. We maintain physical, electronic, and
procedural safeguards to protect this information.
YOUR INFORMATION AND
OUR AFFILIATES
We may disclose information about you to
our affiliates. Here are the kinds of information and the source of that
information:
Transaction and experience information
from our account records:
Information about your
transactions and experience with us, such as:
Name
Address
Account balances
Account activity
Types of accounts
Parties to the transaction
Payment history
Deposit history
Federal law allows us to disclose the
information listed above with our affiliates. You do not have a
right to opt out of the disclosure of this information.
Other information not taken from
transactions and experience:
Information you give us on an
application or other forms, such as:
Social Security Number
You may opt out of the disclosure of
the information listed above.
Types Of Affiliates
We may disclose information about you to
the following types of affiliates:
Financial service providers, such as:
Member Advantage Corporation (MAC)
Old Hickory Credit Union
Reasons For Disclosure
We may disclose information about you to
our affiliates to provide you with information about additional products
and services.
Limitations on Disclosure
Here are the limits we impose on the use
of information disclosed to affiliates:
We only allow direct mail
solicitations.
We do not allow telephone
solicitations.
YOUR INFORMATION AND
OTHER PARTIES
In addition to our policy with respect to
affiliates, we may disclose information to other parties. Here are the
kinds of information we disclose to these other parties:
Information you give us on an
application or other forms, such as:
Name
Address
You may opt out of the disclosure of the
information listed above.
State Limitations
AL, AK, CA, ID and VT - We will not share
this information about members who reside in Alabama, Alaska,
California, Idaho or Vermont.
MA, MS and NJ - We will not share any
information derived from share relationships with us about members who
reside in Massachusetts, Mississippi or New Jersey. If you have a loan
account or other member relationship in addition to a share account
relationship, and you do not want us to share this information about
you, you should opt out using a method described below.
Types of Other Parties
We may disclose information about you to
the following types of other parties:
Financial service providers, such as:
Insurance agents
We may also disclose information about
you to other parties as permitted by law.
Reasons For Disclosing
We may disclose information about you to
other parties to provide you with information about additional products
and services.
Limitations on Disclosure
Here are the limitations we impose on the
use of information disclosed to other parties:
We only allow direct mail
solicitations.
We do not allow telephone
solicitations.
Future Disclosure To Other Parties
We also reserve the right to disclose
information about you in the future with the following types of parties:
Businesses offering nonfinancial
products or services, such as:
Travel agencies
INFORMATION ABOUT
FORMER MEMBERS
We have the same policy about disclosing
information about former members as we do about current members.
AUTHORIZED SHARING -
OUTSIDE MARKETING SERVICES
We may disclose the following information
to companies that perform marketing services on our behalf:
Information you give us on an
application or other forms, such as:
Name
Address
Social Security Number
Assets
Income
Information about your transactions
with us, such as:
Account balances
Types of accounts
Payment history
Information about your transactions
with our affiliates, such as:
Types of accounts
Payment history
Information we receive from a credit
reporting agency, such as:
Creditworthiness
We disclose the information listed above
with companies that perform marketing services on our behalf. You do not
have a right to opt out of the disclosure of this information. We may
also disclose information about you to other outside marketing services
as permitted by law.
Types of Businesses
Here are the types of businesses with
whom we may disclose information for outside marketing purposes:
Service providers that perform
marketing services for us, such as:
Direct sales companies
Reasons For Disclosing
We may disclose information about you to
companies that perform marketing services on our behalf to provide you
with information about additional products and services.
Limitations on Disclosure
Here are the limitations we impose on the
use of information disclosed to companies that perform marketing
services on our behalf:
We only allow direct mail
solicitations.
We do not allow telephone
solicitations.
AUTHORIZED SHARING -
JOINT MARKETING
We may disclose the following information
to other financial institutions with whom we have joint marketing
agreements:
Information you give us on an
application or other forms, such as:
Name
Address
We disclose the information listed above
with other financial institutions with whom we have joint marketing
agreements. You do not have a right to opt out of the disclosure of this
information.
State Limitations
AL, AK, CA, ID and VT - We will not share
this information about members who reside in Alabama, Alaska,
California, Idaho or Vermont.
MA, MS and NJ - We will not share any
information derived from share relationships with us about members who
reside in Massachusetts, Mississippi or New Jersey.
Types of Businesses
We may disclose information pursuant to
joint marketing agreements to the following types of businesses:
Financial service providers, such as:
Insurance agents
Reasons For Disclosing
We may disclose information about you to
other financial institutions with whom we have joint marketing
agreements to provide you with information about additional products and
services.
Limitations on Disclosure
Here are the limitations we impose on the
use of information disclosed to other financial institutions with whom
we have joint marketing agreements:
We only allow direct mail
solicitations.
We do not allow telephone
solicitations.
YOUR RIGHT TO BLOCK THE
DISCLOSURE
OF YOUR INFORMATION
Affiliates. We are permitted to
disclose information about our transactions or experiences with you to
affiliates. You do not have the right to opt out of the disclosure of
this particular type of information. We may also disclose other
information to our affiliates (that is, information beyond our
transactions and experiences with you), unless you tell us to not
disclose this other information.
Other Parties. If you do not want
us to share your information with other parties, you can block the
release of certain information. This is known as your right to "opt
out."
Your decision to block the disclosure of
your information will apply to information collected from all products
and services you receive from us. Remember, though, that your opt out
will not apply to information we share that is related to your actual
transaction and experience with one of us, which we make available to
our affiliates.
If you have obtained one or more products
or services jointly, an opt out instruction by any party will be
effective for all of that party's information we have collected and for
all information collected in conjunction with the product or service for
all other joint parties. If one of you chooses to opt out, no
information we have collected about you will be shared, nor will we
share information about any other joint party collected in conjunction
with the product or service.
If you previously sent us an opt out,
then we will continue to apply your instruction to the information you
asked us not to share. You do not need to return another opt out form.
If you wish to opt out of the disclosure
of your information, you may do so by checking the appropriate box(es)
on the Opt Out Notice that you received with this notice and returning
it to us at this address:
Old Hickory Credit Union
P.O. Box 431
Old Hickory, Tennessee 37138-0431
YOU HAVE THE RIGHT TO
CHOOSE
In this notice, we have explained our
policy about the disclosure of certain information.
Affiliates. We have explained the
kinds of information we may disclose to our affiliates. We have also
explained the kinds of affiliates with whom we may disclose the
information. If you prefer that we do not disclose information to our
affiliates you may opt out of those disclosures, that is, you may direct
us not to make those disclosures (other than the disclosures permitted
by law).
Other Parties. We have explained
the kinds of information we may disclose to other parties. We have also
explained the kinds of other parties with whom we may disclose the
information. If you prefer that we do not disclose information to these
other parties, you may opt out of those disclosures, that is, you may
direct us not to make those disclosures (other than the disclosures
permitted by law).
Your decision to block the disclosure of
your information will apply to information collected from all products
and services you receive from us. Remember, though, that your opt out
will not apply to information we share that is related to your actual
transaction and experience with one of us, which we make available to
our affiliates.
If you have obtained one or more products
or services jointly, an opt out instruction by any party will be
effective for all of that party's information we have collected and for
all information collected in conjunction with the product or service for
all other joint parties. If one of you chooses to opt out, no
information we have collected about you will be shared, nor will we
share information about any other joint party collected in conjunction
with the product or service.
If you previously sent us an opt out,
then we will continue to apply your instruction to the information you
asked us not to share. You do not need to return another opt out form.
If you wish to opt out of the disclosure
of your information, you may do so by checking the appropriate box(es)
below and returning this form to us at this address:
Old Hickory Credit Union
P.O. Box 431
Old Hickory, Tennessee 37138-0431
Do not
share my information, other than information relating to your
transactions and experiences with me, with your affiliates.
Do not share my information with
nonaffiliated third parties.
