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Abbeville Community Federal Credit Union

Privacy Notice and Disclosure

FACTS

WHAT DOES ABBEVILLE COMMUNITY FEDERAL 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 of the 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
  • Checking Account Info and Transaction History
  • Payment History and Credit History

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 reasons financial companies can share their members' personal information; the reasons Abbeville Community Federal Credit Union chooses to share; and whether you can limit this sharing.




Reasons we can share your information

Does the
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 product and services to you

  YES

NO

For joint marketing with other financial companies

NO

We Don't Share

For our affiliates’ everyday business purposes - information about your transactions and experiences

YES
NO

For our affiliates’ everyday business purposes - information about your credit worthiness

NO
We Don't Share

For our affiliates to market to you
 

YES
YES

For non-affiliates to market to you
 

NO
We Don't Share

 




To limit our sharing


• Call ACFCU - our menu will prompt you through your choice(s) or
• Visit us online:

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our 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 (864) 366-5615 or go to www.youracfcu.com

 


Who we are

Who is providing this notice?
 
Abbeville Community Federal Credit Union



What we do
How does Abbeville Community Federal 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.

We limit access to information to to employees with a business need and provide training to educate our employees.


How does Abbeville Community Federal Credit Union collect my personal information?

We collect your personal information, for example, when you:

  • open an account or apply for a loan
  • pay by check or give us your income information
  • give us your contact information

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 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.

 


Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our Affiliates includes: Palmetto Cooperative, Cuna Mutual, Evans Simpson, Passport, MyCU, First Carolina Coop, Jack Henry & Associates

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Abbeville Community FCU 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.

  • Abbeville Community FCU doesn't jointly market.