Privacy Policy

Western Cooperative Credit Union Privacy Notice

Facts What does Western Cooperative Credit Union do with your Personal Information?

Why?

Financial companies choose how they share your personal information. Federal and state law gives consumers the right to limit some but not all sharing. Federal and state 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 services you have with us. This information can include: Social Security number and income, account balances and payment history, credit history and credit scores. When you are no longer our member, we continue to share information about you according to our policies.

How?

All financial companies need to share members' personal information to run their everyday business--to process transactions, maintain customer accounts, and report to credit bureaus. In the section below, we list the reasons financial companies can share their members' personal information; the reason WCCU chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does WCCU
share?
Can you limit
this sharing?
For our everyday business purposes
To process your transactions, maintain your account and 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 companies No We don't share
For our affiliates' everyday business purposes
Information about your transactions and experiences
No We don't share
For our affiliates' everyday business purposes
Information about your creditworthiness
No We don't share
For our affiliates to market to you No We don't share
For non-affiliates to market to you No We don't share
Sharing Practices
How often does WCCU notify me about their practices? We must notify you about our sharing practices when you open an account and each year while you are a customer.
How does WCCU protect my personal information? To protect you 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 WCCU collect my personal information? We collect your personal information, for example, when you
  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your debit card
We also collect your personal information from others, such as credit bureaus, affiliates (if applicable), or other companies.
Why can't I limit all sharing? Federal and state law gives you the right to limit sharing only for
  • affiliates' everyday business purposes - information about your creditworthiness
  • affiliates to market to you
  • non-affiliates to market to you
North Dakota State law and individual companies may give you additional rights to limit sharing so that the credit union cannot participate in joint marketing arrangements.
Definitions
Everyday business purpose The actions necessary by financial companies to run their business and manage customer accounts, such as:
  • processing transactions, mailing, and audit services
  • providing information to credit bureaus
  • responding to court orders and legal investigations
Affiliates Companies related by common ownership or control.  They can be financial and non-financial companies.
  • WCCU does not share with affiliates.
Non-affiliates Companies not related by common ownership or control.  They can be financial and non-financial companies.
  • WCCU does not share with non-affiliates so they can market to you.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • WCCU does not participate in joint marketing arrangements.

Online Privacy Practices

Surfing Safely and Securely

Westerm Cooperative Credit Union (WCCU) is committed to providing you with an enjoyable online experience. Clicking through our website will provide you with comprehensive information on our financial products and services, as well as ensure that the privacy and security of your personal information is protected.

Cookies

Cookies are small text files placed on your computer while visiting certain sites on the Internet. Cookies help websites keep track of personal preferences and recognize return visitors. An example of the use of cookies is when sites greet you personally or post a list of what you most recently purchased.

WCCU uses cookies to enrich your online experience and give it a personal touch. On this website, a temporary cookie may be placed on your computer to see which product pages you viewed most frequently. The cookies are not used to collect or store information on you, but will bring up targeted content on our home page the next time you visit our website based on which pages you viewed most frequently during your prior visit.

You can prevent cookies from being placed on your computer by accessing your browser's preferences menu and deleting existing cookies. There also are commercial programs available to help you manage or disable cookies; however, you should be aware that when cookies are not enabled, the supplemental services on our online account service—NetTeller and CU BillPay —may not work properly.

Third-Party Links

WCCU does not endorse or guarantee the products, information or recommendations provided by linked sites. WCCU is not liable for any failure of products or services advertised on linked sites. Third-party websites may provide less online security than The WCCU website. And further, each third-party link may have a privacy policy different than your credit union; thus we encourage you to review each privacy policy for your own protection.

Looking Out for Children

We do not knowingly market to or solicit information from children under 13, nor do we post offensive material that is harmful to children. We recognize that protecting childrens' identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents. We encourage parents and legal guardians to supervise the activities of children when using websites. We are not responsible for the data collection and use practices of nonaffiliated third parties to which our websites may link.