Privacy Policy
Facts: What does ACU 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 income
• payment history and credit history
• credit scores and employment information
When you are no longer our member, we continue to share your information as described in this notice.
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 ACU Credit Union chooses to share; and whether you
can limit this sharing.
| Reasons we can share your personal information | Does ACU 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 products and services to you | No | We don’t share |
| 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 |
| What we do | |
| How does ACU 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 ACU Credit Union collect my personal information? | We collect your personal information, for example when you• open an account or apply for a loan • give us your income information or provide employment information •give us your wage statementsWe 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 youState laws 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.• ACU Credit Union has no affiliates |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies • ACU Credit Union does not share with nonaffiliates so they can market to you. |
| 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 |
| Other Important Information |
| The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with ACU Credit Union, you should first contact the credit union through one of the means indicated below:
• By U.S. Mail: ACU Credit Union, ACU Box 28041, Abilene, TX 79699 COMPLAINT NOTICE If a dispute is not resolved to your satisfaction, you may file a • By U.S. Mail: 914 East Anderson Lane, Austin, Texas 78752-1699 |
