PRIVACY POLICY
FACTS
WHAT DOES COOPERATIVA DE AHORRO Y CREDITO ORIENTAL 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
- Income
- Account balances, account transaction and payment history
- Credit history and credit scores
- Assets and investment experience
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 customer’s personal information; the reasons Cooperativa de Ahorro y Crédito Oriental chooses to share; and weather you can limit this sharing.
Reasons we can share your personal information
Does Cooperativa de Ahorro y Crédito Oriental 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
YES
YES
For our affiliates to market to you
YES
YES
For nonaffiliated to market to you
NO
We don’t share
To limit our sharing
- Call 852-0964
- Visit us online: www.cooporiental.com or
- Mail the form below
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice to you. When you are no longer our customer, we continue to share your information as describe in this notice.
However, you can contact us anytime to limit our sharing
Questions?
- Call 787-852-0964
- Go to www.cooporiental.com
- Write us: Cooperativa Ahorro y Credito Oriental, Compliance Department – Privacy Policy, P O Box 876, Humacao, PR 00792
Mail-In Form for Cooperativa Ahorro y Credito Oriental
If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below.
___ Apply my choices only to me
Mark any/all you want to limit:
___ Do not share information about my creditworthiness with
your affiliates for their everyday business purposes.
___ Do not allow your affiliates to use my personal information
to market me.
Name
Address
City, State, Zip Code
Account Number
Mail to:
Cooperativa Ahorro y Credito Oriental
Compliance Department
Privacy Policy
P O Box 876
Humacao, PR 00792
WHO WE ARE?
Who is providing this notice?
Cooperativa de Ahorro y Crédito Oriental
WHAT WE DO?
How does Cooperativa de Ahorro y Crédito Oriental 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 have policies and procedures to limit employee access to those employees that require access to such confidential information for business reason or to comply with federal and local laws.
How does Cooperativa de Ahorro y Crédito Oriental collect my personal information?
We collect your personal information, for example, when you:
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your credit or debit card
- Seek financial advice
- Provide your mortgage information
- Apply for insurance
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 with affiliates for everyday business purposes -information about your creditworthiness,
- Affiliates from using your information to market products and services to you
- Sharing for non-affiliates to market to you,
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account, I hold jointly with someone else?
Your choices will apply to everyone on your account – unless you tell us otherwise.
DEFINITIONS
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Non-affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Our joint marketing partners include:
- Credit Cards Companies
- Marketing Companies
- Insurance Companies
OTHER IMPORTANT INFORMATION
We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.
Call: (787) 852-0964 or go to www.cooporiental.com
