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Privacy Policy

Facts: What does Mayo Employees Federal 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 - checking account information and credit history - employment information and payment history When you are no longer our customer, 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 Mayo Employees Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Mayo Employees Federal 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 toll-free 1-800-535-2129 or go to mayocreditunion.org

What we do
How does Mayo Employees Federal 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 Mayo Employees Federal Credit Union collect my personal information?	We collect your personal information, for example, when you - open an account or apply for a loan - give us your income information or give us your employment information - give us your contact information 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 nonaffiliates to market to 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. - Mayo Employees Federal Credit Union has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. - Nonaffiliates we share with can include insurance companies, government agencies, plastic card processors (credit/debit/ATM), financial statement publishers or printers, mortgage companies, mortgage service companies, consumer reporting agencies, data processors, check/share draft printers, and direct marketing companies.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. - Our joint marketing partners include financial advisors.

Other Important Information

Location Information
Collection of Location Data:	When accessing our online banking application, we may collect location data through your device's GPS, RFID, Wi-Fi, or cell phone. This data helps us enhance security measures, prevent fraud, and offer financial products & services to improve member experience.
Usage of Location Data:	We utilize location data for the purpose of improving our online banking services, members experience, and to offer personalized financial products & services based on geographical location.
User Control and Consent:	By using our online banking services and enabling location services, users consent to the collection and usage of location. You can change your location permissions at any time within the device settings.

Zelle Contact and Camera Permission
Information Collection:	While using Zelle®, to use the QR Code feature, with your prior permission, Mayo Employees Federal Credit Union, may collect or access pictures and other information from your device's Contacts, Camera, and Photos.
Usage of Information:	Any information collected is used to provide features of the Zelle® service and/or to improve and customize the user experience. The information may be uploaded to our servers, or it may be simply stored on your device.
User Control and Consent:	You can enable or disable access to this information at any time, through your device settings

Rev. 03/24