What Does Mid Carolina CU 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
    Transaction history and checking account information
    Payment history and income
When you are 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 Mid Carolina Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Mid Carolina CU 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 Yes
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes-information about your transactions and experiences No No
For our affiliates’ everyday business purposes—information about your creditworthiness Yes No
For nonaffiliates to market to you-To offer products and services to you No No
Who we are
Who is providing this notice? Mid Carolina Credit Union
What we do
How does Mid Carolina CU 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 and secured files and buildings.
How does Mid Carolina CU collect my personal information? We collect your personal information, for example, when you
    Open account or apply for a loan
    Apply for any credit union service
    You visit our website, provide us information on any online application or transaction, or information you send to us by email.
    Use your debit or credit card or pay your bills
    Make deposits to or withdrawals from your accounts
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
    sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affilliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Mid Carolina CU has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include companies such as insurance agents and mortgage brokers
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance agents and mortgage brokers