Privacy

MWRD ECU respects your privacy and is committed to protecting it through our compliance with this policy. This policy covers your personal interactions with the Credit Union and when you visit www.mwrdecu.org

This policy describes the types of information we may collect from you or that you may provide when you visit our site, including when you log into our online banking platform.   

This policy also describes our practices for collecting, using, maintaining, protecting, and disclosing that information. 

WHAT DOES MWRD EMPLOYEES CREDIT UNION DO WITH YOUR PERSONAL 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 
• Account balances 
• Payment history 
• Credit history 
• Income 

When you are no longer our member, we continue to share your information as described in this notice. 

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 MWRD Employees Credit Union chooses to share; and whether you can limit this 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, or report to credit bureaus

Does MWRD Employees Credit Union share? 

Yes

Can you limit this sharing? 

No

Additional reasons MWRD ECU is allowed to share your personal information, but WE DO NOT:

• For our marketing purposes - to offer our products and services to you
• For joint marketing with financial companies 
• For our affiliates’ everyday business purposes - Information about your transactions and experiences 
• For our affiliates’ everyday business purposes - Information about your creditworthiness 
• For our affiliates to market to you 
• For non-affiliates to market to you

How does MWRD Employees 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 MWRD Employees Credit Union collect my personal information?

We collect your personal information, for example, when you  Open an account or deposit money  Account information or apply for a loan club Use your credit or debit card We also collect your personal information from others, such as credit bureaus.

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

You may view and download a copy of the MWRD ECU Privacy Notice

Changes to Our Privacy Policy

We will post any changes we make to our privacy policy on this page. If we make material changes to how we treat our members’ personal information, we will notify you through a notice on our website and/or through the last known address we have on file for you. You are responsible for ensuring we have up-to-date active and deliverable street and email addresses for you, and for periodically visiting our website and our privacy policy to check for any changes.

Data Security

As news media stories continue to highlight the increasing frequency of sensitive data breaches and emerging types of financial fraud, please know that your Credit Union has put a number of systems in place to protect members from a diverse array of threats. From enhanced incident response and disaster recovery plans to proactive loss prevention strategies, we continually monitor and implement the best practices policies for our industry. In a rapidly changing financial landscape, we want you to rest assured that risk management has become and will remain a critical factor in our decision-making and our operations.

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on secure servers behind firewalls. Any payment transactions will be encrypted using SSL technology. 

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.