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Privacy Policy

What Does Bayer Heritage Federal Credit Union Do With Your Personal Information?

Rev. Date 9/14

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
  • Overdraft history
  • Payment history
  • Purchase history
  • Credit history
  • Credit card or other debt
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 Bayer Heritage Federal Credit Union chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does Bayer Heritage Federal Credit Union 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 companies No We don't share
For our affiliates’ everyday business purposes
information about your transactions and experiences
No We don't share
For our affiliates’ everyday business purposes
information about your creditworthiness
No We don't share
For our nonaffiliates to market to you Yes Yes
To limit our sharing
Call Toll-free 800-272-6003 Option 2 - our menu will prompt you through your choices (s)
Please note:
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a member, 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 toll-free 800-272-6003
What We Do
How does Bayer Heritage Federal Credit Union protect my 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 Bayer Heritage Federal Credit Union collect my information? We collect your personal information, for example, when you
  • Open an account
  • Apply for a loan
  • Provide employment information
  • Give us your contact information
  • Make a wire transfer
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 non-affiliates 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 non-financial companies.
  • Bayer Heritage Federal Credit Union has no affiliates.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Nonaffiliates we share with can include Insurance Company
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Bayer Heritage Federal Credit Union does'nt jointly market.
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 or for joint marketing - without your authorization.
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 either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.
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