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:
When you are no longer our customer, we continue to share your information as described in this notice.
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 Embers Credit Union chooses to share, and whether you can 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
For our marketing purposes—
to offer our products and services to you
For joint marketing with other 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 affiliates to market to you
For nonaffiliates to market to you
Yes
Yes
No
No
No
No
No
No
No
We don’t share
We don’t share
We don’t share
We don’t share
We don’t share
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 affiliates to market to you
No
We don’t share
For nonaffiliates to market to you
No
We don’t share
How does Breakwater Federal 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.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Breakwater Federal Credit Union collect my personal information?
We collect your personal information, for example, when you:
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Our mobile app may require access to the contacts list on your mobile device in order to facilitate certain app functions, including (but not limited to) Bill Pay.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
How does Breakwater Federal Credit Union protect my personal information?
How does Breakwater Federal Credit Union collect my personal information?
Why can’t I limit all sharing?
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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those
employees for whom access is appropriate.
We collect your personal information, for example, when you
We also collect your personal information from others, such as creditbureaus, affiliates, or other companies.
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Affiliates
Nonaffiliates
Joint marketing
Companies related by common ownership or control. They can be financial and non-financial companies.
Companies not related by common ownership or control. They can be financial and non-financial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you.
For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.
For Vermont Members. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.
There’s no question about it: we’re different but in the best way. We make you and your financial well-being our priority.
700 E. Sharon Ave.,
Houghton, MI 49931
Call or Text: 906.482.5005
Fax: 906.482.2451
Email: info@breakwaterfcu.org
© Copyright 2022 Breakwater Federal Credit Union | Privacy Policy
We will observe the following closures for the winter holidays:
CLOSED on Christmas Eve, Christmas Day, and New Years Day (Dec 24, Dec 25, and Jan 1). OPEN 8:30-12pm on New Years Eve (Dec 31).
Remember, you can perform most of your banking business via our mobile app or our 24/7 deposit ATMs (credit union drive-up and Calumet AmericInn)!
