FACTS

WHAT DOES ALABAMA RIVER 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

• Account balances and payment history

• Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

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 ALABAMA RIVER CREDIT UNION chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Alabama River 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

No

For our affiliates’ everyday business purposes –

information about your transactions and experiences

No

For our affiliates’ everyday business purposes –

information about your creditworthiness

No

For affiliates to market to you

No

For nonaffiliates to market to you

Yes

Yes

Questions?

Call 251-575-2921

Who we are

Who is providing this notice?

ALABAMA RIVER CREDIT UNION

What we do

How does Alabama River 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 with the ASTARO Firewall Protection, secured files and buildings.

How does Alabama River 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

We also collect your personal information from others, such as credit bureaus.

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 to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• None.

Nonaffiliates

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

• CUNA Mutual Group, CMFG Insurance, Equifax, Evans, Simpson & Associates,TransUnion, FIS, Fiserv, Co-Op Financial, Microm, MainStreet Check Printers

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• None

Other important information

Alabama River Credit Union may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report