Privacy Policy

Rev. 04/2024

FACTS WHAT DOES DADE COUNTY 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
  • Account balances
  • Transaction history
  • Credit history
  • Account transfer
  • Wire transfer instructions

When you are no longer our member, we continue to share your information as described in this notice.
How? 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 Dade County Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Dade County 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 Yes No
For our affiliates’ everyday business purposes —
information about your transactions and experiences		 Yes No
For our affiliates’ everyday business purposes —
information about your creditworthiness		 No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call 305-471-5080 or 1-800-299-7147 or go to www.dcfcu.org

What we do

How does Dade County 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 Dade County Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Deposit money
  • Apply for a loan
  • Provide employment information
  • Provide account information

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

Definitions

Affiliates

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

Our affiliates include:

  • Dade Diversified Services, Inc. or A&M Title Insurance Company
Nonaffiliates

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

  • Dade County 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.

  • Our joint marketing partners include Insurance Companies

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.

Notices and “Joint Relationships." Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, to the e-mail or Internet address provided by said person; or we shall post or otherwise give notice by posting a notice, providing a link or using such other electronic methods authorized under applicable laws and/or regulations. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.

Modification. The Credit Union reserves the right to modify, change or amend this Privacy Policy and Agreement at any time without notice other than as expressly required by applicable law.

Protecting Children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.