Privacy Policy

What does Denver Community Credit Union (DCCU) 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 that we collect and share depend on the product or
service you have with us. This information can include:

  • Social Security Number, date of birth, income, account balances, payment history,
  • transaction or loss history, credit history and credit scores

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

How?

All financial companies need to share member personal information to run their everyday
business. In the section below, we list the reasons we can share our members’ personal
information, the reasons Denver Community Credit Union chooses to share, and whether
you can limit 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
    • Does DCCU Share? YES
    • Can you limit this sharing? NO
  • For our marketing purposes ‐ to offer our products and services to you
    • Does DCCU Share?  YES
    • Can you limit this sharing? NO
  • For joint marketing with other financial companies
    • Does DCCU Share? YES
    • Can you limit this sharing? YES
  • For our affiliates’ everyday business purposes ‐ information about your transactions and services
    • Does DCCU Share? YES
    • Can you limit this sharing? NO
  • For our affiliates’ everyday business purposes ‐ information about your credit worthiness
    • Does DCCU Share? NO
    • Can you limit this sharing? We don’t share.
  • For our affiliates to market to you
    • Does DCCU Share? YES
    • Can you limit this sharing? YES
  • For our non affiliates to market to you
    • Does DCCU Share? YES
    • Can you limit this sharing? YES

Revised 1/2012

To limit sharing or talk to a representative contact Denver Community Credit Union call 303-573-1170, email This email address is being protected from spambots. You need JavaScript enabled to view it. , or in person at any branch location.

Who we are:

Who is providing this notice? Denver Community Credit Union

What we do:

How does Denver Community 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, secured files and buildings.

How does Denver Community collect my personal information?

  • We collect your personal information, for example, when you
    • open an account, apply for a loan, pay your bills, make an electronic transfer, change your address or name, use your credit/debit card.
  • 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

Affiliates are companies related by common ownership or control.
They can be financial and non-financial companies. For the benefit
of our members, we share information with our affiliates to provide
technological support, access to shared branches, card servicing,
and investment, lending, and trust services. Examples include:

  • Credit Union National Association (CUNA)
  • Credit Union Service Network (CUSN)
  • Tri-CUE (IT Support CUSO)
  • CO-OP Financial Services (CO-OP)

Non-affiliates

Non-affiliates are companies not related by common ownership or
control. They can be financial and non-financial companies. We utilize
non-affiliates, for example, to provide card and mortgage services.
Examples include:

  • Midwest Loan Services

Joint marketing

Joint marketing is a formal agreement between nonaffiliated financial
companies that together market financial products or services to you.
We enter into joint marketing agreements to provide our members
insurance, auto broker, and business services. Examples include:

  • AutoTrek
  • CUNA Mutual Group

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