Privacy Policy

FACTS WHAT DOES DUGOOD FCU 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 checking account information
  • Credit history and credit scores
  • Payment history and wire transfer instructions

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 DuGood FCU chooses to share; and whether you can limit this sharing.

 

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION DOES DUGOOD FCU 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 our affiliates to market to you

No

We don't share

For nonaffiliates to market to you

No

We don't share

 

WHAT WE DO

How does DUGOOD FCU 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 restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards.

How does DUGOOD FCU collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or apply for a loan
  • Make a wire transfer or show your government-issued ID
  • 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.

DUGOOD FCU 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, consumer reporting agencies, data processors, and check/share draft printers

Joint Marketing

A formal agreement between nonaffiliated financial companies and financial service providers that together market financial products or services to you.

Our joint marketing partners include insurance companies and CUSO Financial Services, L.P.

 

OTHER IMPORTANT INFORMATION

Online Services Disclaimer

DuGood Federal Credit Union, a Federal Chartered Financial Institution, owns the www.dugood.org site. Our staff operates the web site. DuGood Federal Credit Union will not be liable for any damages of any kind arising from the use of this site or any link from this site, included but not limited to direct, indirect, incidental punitive, and consequential damages. The information on this site is provided for general informational purposes only and is subject to change without notice. Products, services, and content is limited and may require additional disclosures, disclaimers, terms and conditions. Please contact the credit union for full details. This site is controlled by DuGood Federal Credit Union within the State of Texas, USA. As such, the laws of the State of Texas will govern these disclaimers, terms and conditions unless superseded by Federal law.

External Links Disclaimer

If you use links provided on this web site to other Internet sites and services, you acknowledge that DuGood Federal Credit Union does not endorse those sites or services and will not be responsible or liable for their content or any loss occasioned by any such content. Other Internet sites or services may have privacy or security policies that differ from the privacy or security policies of DuGood Federal Credit Union.

Email Correspondence Disclaimer

When you send us personally identifying information, for example, an electronic mail message containing a question or comment, or by filling out a form that e-mails information to us, we use this information to fulfill or respond to your requests. We may store these requests to provide us with information for future improvements to our website. We may forward your e-mail to other DuGood Federal Credit Union employees who are better able to respond to your requests

DuGood Federal Credit Union maintains confidentiality over your personal information. We will not give, sell, rent, or otherwise transfer personal information to third parties without prior consent. We will never ask you to provide or confirm account numbers, PINs, passwords, or other personal information.

You may unsubscribe from our marketing communications by clicking on the "unsubscribe" link located on the bottom of our e-mails, or by sending us email us at dugood@dugood.org, or by sending us postal mail to P.O. Box 12899, Beaumont, TX 77726, Attention: Marketing.

Cookie and Analytics Disclosure

DuGood FCU may collect information about you when you browse our website or use our online services. We may also collect this information when you voluntarily provide it to us through forms on our website or in our mobile applications, such as surveys, contact forms, contest entries, and email or text notification sign-up forms. DuGood FCU may also use cookies and other online tracking such as pixel tags and clear GIFs (also known as web beacons) to collect Online/Mobile Activity Data from you depending on your browser settings.

Cookies are small text files that a website's server places on your computer. Cookies are uniquely assigned to you, and can only be read by a Web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. The cookie tells the web server that you have returned to a specific page. For example, if you personalize pages on our Websites, or register for a service, a cookie helps us to recall your specific information on subsequent visits. When you return to the same Website, the information you previously provided can be retrieved, so you can easily use the customized features.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the DuGood website or other websites you visit. DuGood keeps track of the pages you visit within the DuGood website, in order to determine what portion of the website is the most popular or most used. This data is used to deliver customized content, service, and promotions to visitors whose behavior indicates that they are interested in a particular subject area.

A Web beacon is a small string of software code that represents a graphic image (clear gifs) on a website or email. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user's computer hard drive, clear gifs are embedded invisibly on Web pages or in emails and are about the size of the period at the end of this sentence. We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.

DuGood FCU may also partner with certain third parties to deliver advertisements and monitor activities on our own website. Our partners may use cookies, web beacons, and/or other monitoring technologies to compile statistics about website visitors. Specifically, we use Google Analytics to analyze user activity in order to improve the functionality and experience of the website. Users may opt-out of Google Analytics by visiting the Google Analytics Opt-out page.