PRIVACY POLICY

FACTS

WHAT DOES CARIBE FEDERAL CREDIT UNION 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 score
How? 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 Caribe Federal chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Caribe Federal 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 institutions
NO NO
For our affiliates' everyday business purposes -
Information about your transactions and experiences		 YES YES
For our affiliates' everyday business purposes -
information about your creditworthiness		 YES YES
For our affiliates to market to you
 YES YES
For nonaffiliates to market to you
 NO We don't share
To limit our sharing?

Mail the form below
Note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions? Call 787-474-5151 or go to www.caribefederal.com

MAILING FORM

Mark any/all you want to limit:

Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

Do not allow your affiliates to use my personal information to market me.

Mail to:
Caribe Federal Credit Union
195 O'Neill Street
San Juan, PR 00918-2404

WHO WE ARE
Who is providing this notice? Caribe Federal Credit Union

WHAT WE DO
How does Caribe Federal 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 Caribe Federal collect my personal information? We collect your personal information, for example, when you
  • Open an account or deposit money
  • Apply for a loan
  • Use your credit or debit card
  • Apply for insurance
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 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.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Caribe Federal Credit Union does not share information.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Caribe Federal Credit Union does not share information.

IMPORTANT ADDITIONAL INFORMATION

Caribe Federal Credit Union
195 O'Neill Street San Juan, PR 00918-2404
Phone:787-474-5151
Fax: 787-474-5148
info@caribefederal.com