Privacy Policy (Rev 6/20)

FACTS

Why?

What?

What does Bay Atlantic FCU do with your 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 product or service you have with us. This information can include:

  • Social Security number and assets

  • employment information and income

  • investment experience and account balances

When you are no longer our member, 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 Bay Atlantic Federal Credit Union chooses to share; and whether you can limit 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, ot to report to credit bureaus

Does Bay Atlantic Federal Credit Union share? Yes

Can you limit this sharing? No

For our marketing purposes --

to offer our products and services to you

Does Bay Atlantic Federal Credit Union share? Yes

Can you limit this sharing? No

For joint marketing with other financial companies

Does Bay Atlantic Federal Credit Union share? Yes

Can you limit this sharing? No

For our affiliates' everyday business purposes --

information about your transactions and experiences

Does Bay Atlantic Federal Credit Union share? No

Can you limit this sharing? We don't share

For our affiliates' everyday business purposes -- 

information about your creditworthiness

Does Bay Atlantic Federal Credit Union share? No

Can you limit this sharing? We don't share

For our affiliates to market to you

Does Bay Atlantic Federal Credit Union share? No

Can you limit this sharing? We don't share

For nonaffiliates to market to you

Does Bay Atlantic Federal Credit Union share? No

Can you limit this sharing? We don't share

Questions? Call (877) 590-8866 to go to www.bayatlanticfcu.org

What we do

How does Bay Atlantic Federal 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 and secured files and buildings.

How does Bay Atlantic Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

  • open an account or show your government-issued ID

  • apply for financing or provide account information

  • show us your drivers' license

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

How does Bay Atlantic Federal Credit Union collect my personal information?

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 sharing for nonaffiliates to market to you

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

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Bay Atlantic Federal Credit Union has no affiliates

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Bay Atlantic Federal Credit Union does not share with our nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products to services to you.

  • Our joint marketing partners include insurance companies.

Other important information

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