Rev. 10/2018
FACTS
WHAT DOES ACCESS 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 account transactions
- Checking account information and credit history
- Payment history and transaction or loss 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 the reasons financial companies can share their members'personal information; the reasons Access Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Access 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 to 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 affiliate's everyday business purposes – information about your transactions and experiences | No | We don't share |
| For our affiliate's everyday business purposes – information about your creditworthiness | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
Questions
Call 708-343-0228 or go to www.access-cu.com
What we do
How does Access 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 Access Credit Union collect my personal information?
We collect your personal information, for example, when you
- Open an account or apply for financing
- Use your credit or debit card or give us your contact information
- Show us your driver's license
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 law and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Access Credit Union has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Access Credit Union does not share with our 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 insurance companies.