If after reading this notice you have questions, please contact us at: 1-888-508-2228 or write to: Directions Credit Union – 200 N. St. Clair St. 1600 Toledo, Ohio 43604
Information We Collect About You
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications and other forms.
- Information about your transactions with us or our affiliate, Area Financial Services (CUSO).
- Information we receive from a consumer reporting agency.
- Information obtained when verifying the information you provide on an application or other forms—this may be obtained from your current or past employers or from other institutions where you conduct financial transactions.
We may disclose all the information we collect, as described above, as permitted by law.
Directions Credit Union may engage in remarketing as part of our marketing efforts. Remarketing serves ads to audiences who have previously visited a website or landing page.
You have the choice to opt out of remarketing.
- Opt out of Google’s Ads Settings.
- If you don’t want Facebook to show you ads based on your activity on an advertiser’s websites or apps, opt-out here: https://www.facebook.com/ads/website_custom_audiences/
HOW DO WE USE REMARKETING FOR ONLINE ADVERTISING?
Directions Credit Union uses Google Analytics, Google AdWords Conversion tracker, and other Google services placing cookies on a browser across the Directions Credit Union website(s). Google’s placement of cookies helps us increase the website’s general effectiveness for our visitors. These cookies are set and read by Google. You can opt out of Google tracking. To do so, please visit the Google Ad Settings page.
Directions Credit Union uses AdWords remarketing, sometimes called retargeting, to market our website(s) across the Internet. Through Google, a cookie is placed on a browser. Google then reads cookies and may present a Directions Credit Union ad on a 3rd party site. You may opt out of Google’s remarketing here (link). If concerned about 3rd party cookies presenting ads by Google and other ad networks, you can visit a broader opt out page at the Network Advertising Initiative.
- DCU may collect information on domain names, dates, and times of visits to DCU’s website. The information collected, will not include any personal identifiers. If the information is collected, it will only be used to record website visits to help assess the overall value of the website.
- With the exception of the usage described above, visitor information is NEVER sold, given, or disclosed to third parties.
- No cookies are required.
- DCU may use feedback information received by e-mail from visitors to respond to raffle entries, inquiries, comments, or suggestions.
- E-mail information is never sold, given, or disclosed to third parties.
Should a child who we know to be under the age of 13 send personal information to DCU, we will only use that information to respond directly to that child, seek parental consent or provide parental notice.
Parties Who Receive Information From Us
We may disclose nonpublic personal information about you to the following types of third parties:
- Financial service providers, such as insurance companies, mortgage service companies, and securities broker-dealers
- Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers, and plastic card processors
Directions Credit Union and its affiliate, Area Financial Services (CUSO), may also work closely to offer products and services to meet member needs. As a result, we may also share your nonpublic personal information with each other as permitted by law.
Disclosure of Information to Parties that Provide Services to Us
In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.
To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.
Disclosure of Information About Former Members
If you terminate your membership with Directions Credit Union or its affiliate, Area Financial Services (CUSO), we will not share information we have collected about you, except as may be permitted or required by law.
How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Although our website does not require you to disclose any personally identifying information, you may choose to provide this to use one of our products and services. These products may include online banking, applying for a loan, or other services which require personal information to complete your request. Email addresses are collected from members who request electronic services and from our website users who choose to provide their addresses to us. No confidential information is collected from you online, unless you have provided it to us.
What Members Can Do To Help
Directions Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
- Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
- Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
- Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
Let us know if you have questions. Please do not hesitate to call us at 1-888-508-2228 – we are here to serve you!