Privacy Policy

FACTS:
What Does Appliance Credit Union (ACU) 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 your have with us. This information can include:

• Social Security number and income
• Account balances and payment history
• Credit history and credit scores

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 ACU chooses to share; and whether you can limit this sharing.

Reasons we share your personal information.

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.
Does ACU share? Yes. Can you limit this sharing? No. ACU does not share customer phone numbers with third parties.

For our marketing purposes: To offer our products and services to you.
Does ACU share? Yes. Can you limit this sharing? No. ACU does not share customer phone numbers with third parties.

For joint marketing with other financial companies
Does ACU share? Yes. Can you limit this sharing? No. ACU does not share customer phone numbers with third parties.

For our affiliates everyday business purposes – Information about your transactions and experiences.
Does ACU share? No.

For our affiliates to market to you – Does ACU share? No.

For nonaffiliates to market to you – Does ACU share? No.

Who is providing this notice? Appliance Credit Union (ACU)

WHAT WE DO:

How does Appliance 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 will partner only with those businesses that follow strict confidentiality requirements. You also have a responsibility to safeguard your financial information at all times.

How does Appliance Credit Union 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

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 non-affiliates to market to you.

Definitions

Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. We currently have no affiliates.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law.

Joint Marketing: Our joint marketing partners include:

• Credit Card companies.
• Insurance companies
• Mortgage companies.
• Financial service providers.