Privacy Disclosure

FACTS WHAT DOESTHEUNIVERSAL COOP FEDERAL CREDIT UNION 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 Lumber and income
  • Account balances and payment history
  • Credit history and credit score
HOW? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reasons the Cooperative chooses to share; and weather you can limit this sharing.
Reasons we can share your personal information Does Cooperativa 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 institutions 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 creditworthines		 YES YES
For our affiliates to market to you YES YES
For nonaffiliates to market to you NO Wedon’t share
To limit our sharing? Mail the form below

Note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no Langer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.
Questions? Call (787)887-2655 or go to https://www.universalcoopfcu.com
WHO WE ARE
Who is providing this notice? Universal Coop Federal Credit Union
WHAT WE DO
How does the Cooperative protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. Theses measures include computer safeguards and secured files and buildings.
How does the Cooperative collect my personal information? We collect your personal information, for example, when you:

• Open an account or deposit money

• Apply for a loan

• Use your credit or debit card

• Apply for insurance

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only:

• Sharing for affiliates’ everyday business purposes-informationabout 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 foran account I hold jointly with someone else? Your choices will apply to everyone on your account.
DEFINITIONS
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.