Privacy Notice

Des Moines Metro Credit Union Privacy Policy
FACTS WHAT DOES DES MOINES METRO CREDIT UNION (DMMCU) 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
  • Loss History
  • Payment History
  • Credit History
  • Transaction History
  • Overdraft History
HOW? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons DMMCU chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does DMMCU 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 to 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 Yes
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 affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share
QUESTIONS? Call 515-283-4195 or 1-877-715-9604
WHO WE ARE
Who is providing this notice? Des Moines Metro Credit Union
WHAT WE DO
How does DMMCU 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.
DMMCU also maintains other physical, electronic and procedural safeguards to protect your information and we limit access to information to those employees for whom access is appropriate.
How does DMMCU collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Provide employment information
  • Give us your contact information
  • Provide account information
  • Make a wire transfer
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 non-affiliates to market to you

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

Definitions
Affiliates

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

  • DMMCU has no affiliates.
Non-affiliates

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

  • DMMCU has no non-affiliates
Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • CUNA Mutual Group
  • Affinion