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FACTS

WHAT DOES OMNI COMMUNITY 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 and account transactions
  • credit card or other debt and credit scores
  • purchase history and transaction history
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 OMNI Community Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does the 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 to 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 No We don't share
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 1-866-OMNI-WOW or go to www.omnicommunitycu.org
What we do
How does OMNI Community 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.
How does OMNI Community Credit Union collect my personal information? We collect your personal information, for example, when you
  • open an account or provide your mortgage information
  • apply for financing or give us your contact information
  • give us your wage statements
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 you
  • sharing for nonaffiliates to market you
State law 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.
  • OMNI Community Credit Union has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • OMNI Community Credit Union does not share with our 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 advertising/marketing agencies, credit card companies, loan recapture programs and insurance companies.
Other Important Information
Users of the OMNI Community Credit Union Digital Banking application have access to a variety of features, some which may require permissions. These permissions are optional. When you download and use this application, we may track and collect usage data based on your specific device for business and security purposes.

Most browsers or devices collect information such as computer type, screen resolutions, operating system name and version, internet browser, the name and version of the application being used. This information is used to make sure everything in the application is functioning properly and for security purposes.

OMNI Community Credit Union does collect personal information to provide you service which you have requested, or information requested by you or for a purpose you expressly authorize. You may request we delete certain Personal Information that we have collected, and we will make reasonable efforts to honor that request, in compliance with applicable laws and regulations.