Advantage One Credit Union Privacy Policy
| FACTS | WHAT DO WE DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
| Why? |
Financial companies choose how they share your personal information. Federal law gives consumers/members 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:
When you are no longer our customer/member, we continue to share your information as described in this notice. |
| How? |
All financial companies need to share member/customer personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member/customer personal information; the reasons Advantage One Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Advantage One 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 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 | Yes |
|
For our affiliates' everyday business purposes —
information about your transactions and experiences |
No | No |
|
For our affiliates' everyday business purposes —
information about your creditworthiness |
No | Yes |
| For affiliates to market to you | No | Yes |
| For nonaffiliates to market to you | No | No |
|
If you would like to opt out of affiliate or joint marketing, you can do so by:
|
| What we do | |
|---|---|
| How does Advantage One 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. |
| How does Advantage One Credit Union collect my personal information? |
We collect your personal information, for example, when you:
We also collect information from others, such as credit bureaus |
| Why can't I limit all sharing? |
Federal law gives you the right to limit only
State law and individual companies may give you additional rights to limit sharing.(See below for more on your rights under state law.) |
| Definitions | |
|---|---|
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| 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.
|
Other Important Information
In accordance with California law, Advantage One Credit Union will not share information we collect about California residents with companies outside of Advantage One Credit Union, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable California law.