| FACTS – WHAT DOES 1ST COMMUNITY FEDERAL CREDIT UNION (1CFCU) 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. Feral 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 transaction or loss history
How? – All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons 1st Community Federal Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information |
Does 1CFCU Share? |
Can you limit this? |
|
» 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 transactions and experiences |
Yes |
No |
» For our affiliates’ everyday business purposes –
information about your creditworthiness |
No |
We don’t share |
| » For our affiliates to market to you |
Yes |
Yes |
| » For nonaffiliates to market to you |
Yes |
Yes |
| Please Note |
» If you are a new member / customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member / customer, 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 800.749.1465 or 325.653.1465 or visit a branch location.
|
| Who is providing this notice? 1st Community Federal Credit Union |
| How does 1st Community Federal Credit Union protect my 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 1st Community Federal collect my
personal information? |
We collect your personal information, for example, when you
» open an account or deposit money
» pay your bills or apply for a loan use your credit or debit card
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 laws and individual companies may give you additional rights to limit sharing. (See below for more on your rights under state law)
|
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies
» Our affiliate is 1CFCU Insurance Services, LLC
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies. |
| Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include
» credit card companies
» card processing companies
» insurance companies
|
| Other important information |
| California and Vermont Residents: We do not share your personal information for joint marketing with other financial companies. |
