Privacy Policy

Water and Power Community Credit Union (WPCCU) understands the importance of protecting the privacy of our members. As such, we are committed to maintaining the confidentiality of members’ financial records consistent with state and federal laws. The following sets forth our policies regarding our use and protection of your financial information.


FACTS
WHAT DOES WATER AND POWER COMMUNITY CREDIT UNION (WPCCU) 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 income
  • Account balances and payment history
  • Credit history and credit score

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 WPCCU chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does WPCCU 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 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 nonaffiliates to market to you no we don’t share

QUESTIONS? CALL 800-300-9728

Who we are

  

Who is providing this notice??

WPCCU

What we do

  
How does WPCCU 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.

We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your personal information.
How does WPCCU collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or deposit money
  • Cash a check or apply for a loan
  • Use your credit or debit card

We also collect your personal information from other companies such as credit bureaus and consumer reporting agencies.
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

  
Affiliates: WPCCU has no affiliates.
Nonaffiliates:

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

  • WPCCU has agreements with businesses like mailing houses that deliver your statements.
Joint Marketing:

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

  • WPCCU’s joint marketing partners include credit card companies, insurance companies, mortgage lenders and auto dealers.