Privacy Policies & Disclosures

Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies. BayPort Credit Union does share with our affiliates.

Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we share with can include insurance companies, government agencies, plastic card processors (credit/debit/ATM), financial statement publishers or printers, mail house, mortgage service companies, consumer reporting agencies, data processors, and check/share draft printers.

Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include CUNA Mutual Group’s truSTAGE.

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 balances,
• checking account information and credit card or other debt,
• credit history and transaction history.

BayPort recognizes and respects the importance of protecting the privacy of children’s personal information online. We do not knowingly collect, store, or share any personally identifying information on our website for children under 13 years of age without consent from a parent or legal guardian.

All financial companies need to share members’ personal information to run their everyday business. The reasons below are how financial companies can share their members’ personal information, the reasons we choose to share, and whether you can limit this sharing.

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 restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Employee training emphasizes maintaining confidentiality and member privacy.

We collect your personal information, for example, when you open an account, apply for a loan, use your credit/debit card, file an insurance claim, or give us your employment information. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Our marketing tools collect the following information when using our mobile banking application in order to provide appropriate marketing campaign information:

• Location data is collected to provide location-based messages and interactions.
• A random User ID is generated upon initial app access and used later during each marketing tool interaction. The User ID is used for identifying the user and for sending campaign information. This User ID is unique for each device and changes every time the application is re-installed.
• Product Interaction is a marketing tool used to track user application entry, exit and pages viewed within the application.
• Our marketing tools will collect your first name for product personalization purposes.

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 law and individual companies may give you additional rights to limit sharing.

Your choices will apply to everyone on your account.