Last updated: 12/2015
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.
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 income, account balances and payment history and/or credit history and transaction history.
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 Alltru Credit Union chooses to share; and whether you can limit this sharing.
|REASONS WE CAN SHARE PERSONAL INFORMATION||Does Alltru CU 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||We do not share|
|For our affiliates’ everyday business purposes — information about your creditworthiness||No||We do not share|
|For nonaffiliates to market to you||No||We do not share|
To limit our sharing:
Call 1-800-288-7618 – our menu will prompt you through your choice(s) or 636-916-8300. Visit us online: www.alltrucu.org. 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.
Call 1-800-288-7618, 636-916-8300, or go to www.alltrucu.org.
|WHAT WE DO|
|How does Alltru CU 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 Alltru CU collect my personal information?||We collect your personal information, for example, when you open an account, apply for a loan, pay your bills, or use your credit or debit card. We also collect your personal information from others, such as credit bureaus, financial service providers, 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 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.|
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies. Alltru Credit Union does not have affiliates.|
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies. Alltru Credit Union does not share with nonaffiliates so they can market to you.|
|Joint marketing||A formal agreement between affiliated financial companies that together market financial products or services to you. Our joint marketing partners include mortgage, credit card, insurance, and other financial services providers|
Other important information:
We may collect images of checks on our online and mobile banking applications to enable you to remote deposit checks and view check images. We only use the images collected to process the deposit or to display the image in your transaction history. Images uploaded for the purpose of personalization of the online or mobile banking application are uploaded at the discretion of the user. Images collected are not shared with third parties.
Our online services are not intended for children under the age of 13. We do not knowingly collect personal information from children under the age of 13 without parental consent.