What does Old Hickory Credit Union do with your personal information?
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.
The types of personal information we collect and share depend on the accounts, products or services you have with us. This information can include:
- Name, address, Social Security Number, and income
- Account balances and payment history
- Credit history and credit scores
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 Old Hickory Credit Union chooses to share; and whether you can limit this sharing.
How does Old Hickory Credit Union share your information?
|Reasons we can share your personal information
||Does Old Hickory Credit Union share?
||Can you limit this sharing?
|For our everyday business purposes—such as to process your transactions, maintain the account(s) you have with us, respond to court orders and legal investigations, or report to credit bureaus
|For our marketing purposes—to offer our products and services to you
|For joint marketing with other financial companies
|For our affiliates’ everyday business purposes—information about your transactions and experiences
|For our affiliates’ everyday business purposes—information about your creditworthiness
|For our affiliates to market to you
|For non-affiliates to market to you
To limit our sharing
Complete the form below.
Please Note: If you are a new member, we can begin sharing your information thirty (30) days from the date we sent you this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
If you have questions, call us at 615-847-4043 or toll-free 800-998-4043.
Who We Are
Who is providing this notice?
Old Hickory Credit Union and our wholly owned subsidiary, Member Advantage Corporation, dba Allegro Member Solutions and Old Hickory Insurance Shield.
What we do
How does Old Hickory 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, 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.
How does Old Hickory Credit Union collect my personal information?
We collect your personal information, for example, when you
- start an account
- apply for a loan
- use your credit or debit card
- pay your bills
- make deposits to or withdrawals from the accounts you have with us
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:
- 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.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include Old Hickory Credit Union and our wholly owned subsidiary, Member Advantage Corporation.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Non-affiliates we share with can include insurance companies and direct marketing companies.
A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our marketing partners include:
- Investment companies
- Insurance companies
- Other financial service providers
Other Important Information
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 credit worthiness without your authorization.
Limit Sharing Form
If you have a joint account, your choice(s) will apply to everyone on your account.
* - Indicates required field