FACTS |
WHAT DOES COMBINED FEDERAL CREDIT UNION DO WITH YOUR PERSONAL |
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 Income • Account balances and Payment history • Credit history and Credit Scores 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 customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Combined Federal Credit Union chooses to share; and whether you limit this sharing. |
Reasons we can share your personal information |
Does Combined 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 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 (501) 623-7004 | ||
Who we are |
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Who is providing this notice? |
Combined Federal Credit Union 203 Nash Street, Hot Springs, AR 71913 |
What we do |
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How does Combined 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 also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you. |
How does Combined FCU collect my personal information? |
We collect your personal information, for example, when you
We also collect your personal information from others, including credit bureaus or other companies. |
Why can’t I limit all sharing? |
Federal law only gives you the right to limit information sharing as follows:
State laws and individual companies may give you additional rights to limit sharing. |
Definitions |
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Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Combined Federal Credit Union has no affiliates. |
Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
We disclose to non-affiliated companies only for our everyday business purposes, such as to process transactions, maintain accounts, respond to court orders and legal investigations, or report to credit bureaus as otherwise permitted by law. |
Joint marketing |
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Our joint marketing partners include insurance and brokerage companies. |
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