There have been no changes to the disclosure since last year.

FACTS WHAT DOES OTS EMPLOYEES FEDERAL CREDIT UNION (OTSEFCU) 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 scores
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 OTSEFCU chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information: Does OTSFECU 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 Yes No
For our affiliates' everyday business purposes -
     information about your transactions and experiences
Yes No
For our affiliates' everyday business purposes -
     information about your creditworthiness
No We don't share
For our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share

Questions? Call 808-848-4408 or 808-848-4449

What We Do
How does OTSEFCU 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 OTSEFCU collect my personal information? We collect your personal information, for example, when you:
  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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
  • 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 Companies related by common ownership or control. They can be financial and nonfinancial companies.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint Marketing A formal aggreement between non-affiliates financial companies that together market financial products or services to you.
  • Our joint marketing partners include credit card companies, securities broker-dealers, insurance agents.

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