Privacy Notice

What Does Nashville Post Office Credit Union Do With Your Personal Information?

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.

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

• Name, address, Social Security Number, and income
• Account balances and payment history
• Credit history and credit scores

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

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 Nashville Post Office Credit Union chooses to share; and whether you can limit this sharing.

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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 to report to credit bureaus.

• Does Nashville Post Office Credit Union share? Yes
• Can you limit this sharing? No

For our marketing purposes – to offer our products and services to you.

• Does Nashville Post Office Credit Union share? Yes
• Can you limit this sharing? No

For joint marketing with other financial companies.

• Does Nashville Post Office Credit Union share? Yes
• Can you limit this sharing? No

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

• Does Nashville Post Office Credit Union share? No
• Can you limit this sharing? We don’t share

For our affiliates’ everyday business purposes – information about your creditworthiness.

• Does Nashville Post Office Credit Union share? No
• Can you limit this sharing? We don’t share

For our affiliates to market to you.

• Does Nashville Post Office Credit Union share? No
• Can you limit this sharing? We don’t share

For nonaffiliates to market to you.

• Does Nashville Post Office Credit Union share? No
• Can you limit this sharing? We don’t share

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How Does Nashville Post Office 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. These measures include computer safeguards, secure files and buildings, procedural safeguards, and safe record storage. We will continue to review and modify our security controls in the future to deal with changes in products, services, and technology.

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How Does Nashville Post Office Credit Union Collect My Personal Information?

We collect your personal information, for example, when you

• start an account
• apply for loan
• use your credit or debit card
• pay your bills
• make deposits to or withdrawals from the accounts you have with us

We also collect your personal information from others, such as credit bureaus or other companies.

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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 law and individual companies may give you additional rights to limit sharing.

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Definitions

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

• Nashville Post Office Credit Union has no affiliates.

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

• Nashville Post Office Credit Union does not share with non-affiliates so that they can market to you

Joint Marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you.  Our marketing partners include:

• Investment companies
• Insurance companies
• Other financial service providers

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Questions?

Call toll-free (615) 871-4221

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Text Message Policy

(Account-related messages only)

By providing Nashville Post Office Credit Union with your mobile number and opting-in, you give us permission to send you account-related text messages, such as payment reminders and notifications such as payment reminders and fraud alerts. You also give us permission to send promotional messages such as special offers and discounts relative to Nashville Post Office Credit Union, in conjunction with the services you have requested.

• Number of messages will vary by account.
• By providing us with your mobile number and opting-in, you agree that you have ownership rights or permission to use the number given to us.
• You understand that message and data rates may apply by your mobile carrier, and you are responsible for these charges, if applicable.
• To opt-out, text STOP to any text message we send you. An opt-out confirmation message will be sent back to you.
• To request support, text HELP to any text message we send you or email us at info@npocu.org.
• If your handset does not support MMS, any MMS messages sent may be delivered as SMS messages.
• Wireless carriers are not liable for undelivered or delayed messages.
• Nashville Post Office Credit Union does not charge for the text messaging service itself.
• If you receive a suspicious text, contact NPOCU directly at 615-871-4221 to confirm the authenticity of the message.

VERY IMPORTANT!
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

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Texting Authorization