Privacy Policy

Website Version

What does Utica District Telephone Employees Federal 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 and account balances
• Account transactions and credit history
• Credit scores and payment history

When you are no longer our customer, 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 reasons Utica District Telephone Employees Federal Credit Union (UTELFCU) chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information:

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations or to report to credit bureaus.  Does UTELFCU share?  Yes.  Can you limit this sharing?  No.

For our marketing purposes – to offer our products and services to you.  Does UTELFCU share? Yes.  Can you limit this sharing?  No.

For joint marketing with other financial companies.  Does UTELFCU share?  Yes.  Can you limit this sharing?  No

For our affiliates’ everyday business purposes – information about your transactions and experiences.  Does UTELFCU share?  No.  Can you limit this sharing?  We don’t share.

For our affiliates’ everyday business purposes – information about your creditworthiness.  Does UTELFCU share?  No.  Can you limit this sharing?  We don’t share.

For non-affiliates to market to you.  Does UTELFCU share?  No.  Can you limit this sharing?  We don’t share.

What we do.

How does UTELFCU protect my personal Information? To protect your personal information from unauthorized access and use, security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.  We maintain physical, electronic or procedural safeguards that comply with federal regulations to guard your non-public information.

How does UTELFCU 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 provide employment information
• Apply for financing

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 – information about your creditworthiness
• Affiliates from using your information to market to you

State law and individual companies may give you additional rights to limit sharing.

Definitions.

Affiliates – Companies related by a common ownership or control.  They can be financial and nonfinancial companies.  Utica District Telephone Employees FCU has no affiliates.

Nonaffiliates – Companies not related by common ownership or control.  They can be financial and nonfinancial companies.  Nonaffiliates we share with included insurance companies, securities broker-dealers, government agencies, nonprofit organizations, plastic card processors (credit/debit), mail house, mortgage companies, mortgage service companies, consumer reporting agencies, data processors, and check/share draft printers.

Joint Marketing – A formal agreement between nonaffiliated financial companies that together market financial products or services to you.  Our joint marketing partners include CUNA Mutual Group’s TruStage Insurance Company.

Other important information. 

For more information about how the credit union protects your information and what you can do to help or if you have any questions, please call 315-724-5133