Privacy Policy

FACTS	WHAT DOES NORTH BAY CREDIT UNION POWERED BY CAFCU 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 scores

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

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 North Bay Credit Union powered by CAFCU chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does North Bay Credit Union powered by CAFCU 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	Yes
For joint marketing with other financial companies	Yes	Yes
For our affiliates' everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes – information about your creditworthiness	Yes	No
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes

Questions?	Call 707-584-0384 or email [email protected]

Who We Are
Who is providing this notice?	North Bay Credit Union powered by CAFCU

What We Do
How does North Bay Credit Union powered by CAFCU 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 North Bay Credit Union powered by CAFCU collect my personal information?	We collect your personal information, for example, when you Open an account or deposit money Pay your bills or apply for a loan Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Request for Account Data Removal (Mobile app and Home Banking)	To request user ID, device ID, and email address to be removed from the North Bay Credit Union powered by CAFCU Mobile app and Home Banking, please email [email protected] to request account data to be removed. Please note that you will lose access to Home and Mobile Banking once this data is removed.
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. North Bay Credit Union powered by CAFCU has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include Credit/Debit card processors, credit reporting bureaus, mortgage servicing, insurance and investment services companies.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance companies.

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.

Nonaffiliates we share with can include Credit/Debit card processors, credit reporting bureaus, mortgage servicing, insurance and investment services companies.

Joint Marketing

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

Other Important Information
To limit our sharing: Call: 707-584-0384 to speak to a Member Service Representative. Note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. We continue to share your information as described in this notice even after your membership has been terminated. However, you can contact us at any time to limit our sharing.