Privacy Policy

At WMICU, we recognize that privacy and security of personal financial information is a concern to our members. We have taken the utmost care in establishing and implementing policies and procedures to protect this information. This Member Privacy disclosure describes how WMICU collects and uses your personal information and how we maintain the confidentiality and accuracy of such information. This disclosure also describes how you can verify the accuracy of information regarding your relationship with us. This disclosure applies to former WMICU Member as well as existing Members.

Nonpublic Personal Information. This Member Privacy disclosure relates primarily to WMICU’s use of nonpublic personal information. Nonpublic personal information means financial information that relates specifically to you and that is not available from a public source (such as government records, phone books, or widely distributed media). For example, the fact that you have a deposit account with us, and the balance of that account, is nonpublic personal information. In contrast, the fact that you have a mortgage loan with us would not be nonpublic personal information if your loan is secured by property that is located in any county or state where mortgage loans are recorded in government records. Nonpublic personal information also includes any list, description, or other grouping of Members that is created using nonpublic information. For that reason, although the fact that you have a mortgage loan with us may be public information, a list of our mortgage Members that includes current loan balances would be nonpublic personal information. However, nonpublic personal information does not include any list, description or other grouping that is created using only publicly available information.

How We Obtain Personal Member Information and What We Collect.
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms.
• Information about your transactions with us or others.
• Information we receive from a consumer reporting agency.
• Information we receive from others whom you authorize us to contact in reviewing your applications or transactions with us.
• Information we collect through an Internet “cookie” (see “About Cookies” below).
• Identifying information, such as social security numbers, driver’s license numbers, account numbers, names, addresses, personal identification numbers (PINs) and passwords, and “cookie” information (see below).
• Information regarding your creditworthiness and capacity, such as employment status, income, and information on your assets and liabilities that you provide to us in your applications.
• Account activity information, such as deposit and loan balances and transaction histories.
• Information about your transactions and experiences with us, such as your payment or overdraft history.

About Cookies. When you access our web site, we collect information that enables us to know your point of entry. For example, if you linked to our site from another site, the information we collect will enable us to identify that other site. We then place this information (called “cookies”) on your computer. The cookie that we store on your site contains only a small amount of information, so it will use only a very small amount of your memory space. We believe that these bits of information do not have the ability to contain destructive programs or viruses that could damage your computer. We believe that our use of cookies help us to provide you with better service. However, if you wish, you can set up your computer to warn you before you accept a cookie so that you may choose each time whether to accept the cookie.

How We Use Your Nonpublic Personal Information.
We disclose your personal information only for our legitimate business purposes and in compliance with all applicable laws and regulations. The following summarizes the principal ways in which we disclose your personal information.

Use of Information Within WMICU. Within WMICU, we use your nonpublic personal information for the following purposes:

• To protect the security of your accounts and loans with us. For example, we will use your personal identification numbers and passwords to prevent unauthorized persons from accessing your accounts or account information.
• To conduct our business in a prudent and safe manner. For example, we will use the information that you provide us on your applications to review your application.

If you have any questions or concerns, please contact us at 1319 Front St. Grand Rapids, MI 49504. Or E-mail us at wmicu@wmicu.org.