MTEFCU is now Breakwater Federal Credit Union

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Privacy Policy

What Does Breakwater Federal Credit Union Do With Your Personal Infomation?

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
  • Account balances
  • Payment history
  • Checking account information
  • Overdraft history

When you are no longer our customer, we continue to share your information as described in this notice.

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 Embers Credit Union chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information

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

Does Breakwater Federal Credit Union Share?

Yes

Yes

No

No

No

No

No

Can you limit this sharing?

No

No

We don’t share

We don’t share

We don’t share

We don’t share

We don’t share

Reasons We Can Share Your Personal Information

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

Does Breakwater Federal Credit Union Share?

Yes

Can you limit this sharing?

No

Reasons We Can Share Your Personal Information

For our marketing purposes—
to offer our products and services to you

Does Breakwater Federal Credit Union Share?

Yes

Can you limit this sharing?

No

Reasons We Can Share Your Personal Information

For joint marketing with other financial companies

Does Breakwater Federal Credit Union Share?

No

Can you limit this sharing?

We don’t share

Reasons We Can Share Your Personal Information

For our affiliates’ everyday business purposes—
 information about your transactions and experiences

Does Breakwater Federal Credit Union Share?

No

Can you limit this sharing?

We don’t share

Reasons We Can Share Your Personal Information

For our affiliates’ everyday business purposes—information about your creditworthiness

Does Breakwater Federal Credit Union Share?

No

Can you limit this sharing?

We don’t share

Reasons We Can Share Your Personal Information

For affiliates to market to you

Does Breakwater Federal Credit Union Share?

No

Can you limit this sharing?

We don’t share

Reasons We Can Share Your Personal Information

For nonaffiliates to market to you

Does Breakwater Federal Credit Union Share?

No

Can you limit this sharing?

We don’t share

What We Do

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:

  • open an account or give us your contact information
  • pay us by check or deposit money
  • use your credit or debit card


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

  • 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. 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

  • open an account or give us your contact information
  • pay us by check or deposit money
  • use your credit or debit card

We also collect your personal information from others, such as creditbureaus, affiliates, or other companies.

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. See below for more on your rights under state law.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Breakwater Federal Credit Union has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Breakwater Federal Credit Union 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.

  • Breakwater Federal Credit Union does not share with nonafiiliated financial companies so they can market to you.

Affiliates

Nonaffiliates

Joint marketing

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Breakwater Federal Credit Union has no affiliates.

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Breakwater Federal Credit Union does not share with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Breakwater Federal Credit Union does not share with
    nonafiiliated financial companies so they can market to you.

Other Important Information

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.

Closure notice

We will be closed Thursday, July 4 in observance of Independence Day and apologize for any inconvenience to our members.

Remember, you can perform most of your banking business via our mobile app or the two 24/7 deposit ATMs in our drive-thru!