Privacy & Security

FACTS
WHAT DOES MOONLIGHT 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 balances
*account transactions and checking account information
*credit history and transaction or loss history
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 Moonlight Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Moonlight 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
YES
For joint marketing with other financial companies.
YES
YES
For our affiliates’ everyday business purposes –
information about your transactions and experiences
NO
N/A
For our affiliates’ everyday business purposes –
information about your creditworthiness
NO
N/A
For our affiliates to market you
NO
N/A
For non-affiliates to market you
NO
N/A
To limit our sharing

Call (724) 297-3084 or visit us online at: www.moonlightcu.com

Please note:

If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions
PO Box 427, Worthington, PA 16262 – (724) 297-3084 or visit www.moonlightcu.com
101 Deer Park Road, Worthington, PA 16262 Fax (724) 297-3826
What we do
How does Moonlight 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. In addition to extensive electronic and physical safeguards, we conduct information security staff awareness training, conduct risk assessments, penetration tests, and develop procedures for the protection of member information.
How does Moonlight Credit Union 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 debit/atm card

We also collect 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 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
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non financial companies
Moonlight Credit Union has no Affiliates.
NonAffiliates
Companies NOT related by common ownership or control. They can be financial and nonfinancial companies
Non-affiliates we share with can include insurance companies, government agencies, plastic card processors (debit/credit), financial statement publishers or printers, consumer reporting agencies, and data processors.
Joint Marketing
A formal agreement between non-affiliated financial companies that market financial products or services to you.
* Our joint marketing partners include CUNA Mutual Group and Ser Technology.
More..