Privacy Notice & Disclosure

June 2014

FACTS WHAT DOES DOW CHEMICAL EMPLOYEES’ CREDIT UNION (DCECU) 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 assets
  • account balances and payment history
  • credit history and employment information
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 Dow Chemical Employees’ Credit Union choose to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Dow Chemical Employees’ Credit Union 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 No We don’t share
For our affiliates’ everyday business purposes – Information about your creditworthiness No We don’t share
For nonaffiliates to market to you No We don’t share
Questions? Call 989.835.7794 or toll-free 800.835.7794 or go to www.dcecu.org
Who we are
Who is providing this notice? Dow Chemical Employees’ Credit Union
What we do
How does Dow Chemical 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.

DCECU has written policies and procedures, trained employees and strong information security measures to protect your personal information.

How does Dow Chemical Employees’ Credit Union collect my personal information? We collect your personal information, for example, when you:
  • open an account or deposit money
  • give us your contact information or apply for a loan
  • 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 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.
  • DCECU has no affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • DCECU does not share with nonaffiliates so they can market to you
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include investment, insurance, and other financial services companies