FACTS
WHAT DOES ARIZONA CENTRAL 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 credit history
– employment information 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 Arizona Central Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Arizona Central 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 | Yes |
| For joint marketing with other financial companies | Yes | Yes |
| 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 |
To Limit Our Sharing
– Call toll-free 1-866-264-6421
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?
Call toll-free 1-866-264-6421 or go to www.azcentralcu.org
What We Do
How does Arizona Central 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. Access to nonpublic personal information is restricted to employees who need it to serve you. We maintain physical, electronic, or procedural safeguards complying with federal regulations to guard your information.
How does Arizona Central Credit Union collect my personal information?
We collect your personal information, for example, when you
– open an account or apply for a loan
– use your credit or debit card or give us your employment information
– make deposits or withdrawals from your account
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.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account – unless you tell us otherwise
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
– Arizona Central 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, mailhouse, mortgage service companies, consumer reporting agencies, data processors, and check/share draft printers
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include CUNA Mutual Group’s MEMBERCONNECT and loan recapture programs
Other Important Information
Location Data.
Our mobile banking app periodically collects, transmits, and uses location data to support features that allow us to communicate with you for various reasons such as closures, marketing, maintenance, and fraud alerts, but only if you expressly authorize collection of such information. You may choose whether location data can be monitored on a continuous basis in the background, only while the app is being used, or not at all. You can change your location permissions at any time in your device settings.
