Privacy Notice

PRIVACY DISCLOSURE

FACTS WHAT DOES EMBLEM CREDIT UNION DO WITH YOUR PERSONAL FINANCIAL 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
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 Emblem Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Emblem 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 products and services to you		 Yes

No

For joint marketing with other financial companies:

 Yes Yes
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 non-affiliates to market to you: No We don’t share
To limit our sharing

Mail the form below.

Please Note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, 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 800-470-0704.
Mail-in Form
Do not share my personal information for joint marketing purposes with other financial companies to market products to me.
Your Name
Address
City, State, Zip
Your Account #		 Return to:
Emblem Credit Union
P.O. Box 1400
Gadsden, AL 35902
Who we are
Who is providing this notice? Emblem Credit Union
What we do
How does Emblem 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 Emblem 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, 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 non-affiliates 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 non-financial companies.

  • Emblem Credit Union does not share with affiliates so they can market to you.
Non-affiliates

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

  • Emblem Credit Union does not share with non-affiliates so they can market to you.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include insurance companies.
Other important information

Notices and “Joint Relationships." Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, to the email or Internet address provided by said person; or we shall post or otherwise give notice by posting a notice, providing a link or using such other electronic methods authorized under applicable laws and/or regulations. All owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.

Modification. The Credit Union reserves the right to modify, change or amend this Privacy Disclosure at any time without notice other than as expressly required by applicable law.

 

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