APCO Employees Credit Union Privacy Disclosure

FACTS   WHAT DOES APCO EMPLOYEES 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:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us or others; and
  • Information we receive from a consumer reporting agency.
  • 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 APCO Employees Credit Union chooses to share; and whether you can limit this sharing.

    Reasons we can share
    your personal information
    Does APCO Employees
    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 NO
    For our affiliates’ everyday business purposes—
    information about your transactions and experiences
    NO We do not share this information
    For our affiliates’ everyday business purposes—
    information about your creditworthiness
    NO We do not share this information
    For our affiliates to market to you NO We do not share this information
    For nonaffiliates to market to you YES NO

    Questions?    
  • Call 205-226-6800 or 1-800-249-2726—our menu will prompt you through your choice(s)
  • Visit us online: www.apcocu.org
  • 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 a member, we continue to share your information as described in this notice.

    Who we are  
    Who is providing this notice? APCO Employees Credit Union
    What we do
    How does APCO Employees 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 APCO Employees Credit Union collect my personal information? We collect your personal information, for example, when you

  • Provide us personal information on applications or other forms
  • Conduct transactions with us or others
  • Or when APCO Employees Credit Union obtains information on you from a consumer reporting agency
  • 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.
    Nonaffiliates Companies not related by common ownership or control.
    They can be financial and nonfinancial companies.
    Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
    Other important information
    APCO Employees Credit Union
    750 17th Street North
    Birmingham, Alabama 35203
    205-226-6800
    1-800-249-2726
    www.apcocu.org

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    You are leaving APCO Employees Credit Union's website, and entering an online community website. The privacy and security policies of the site you are about to enter may differ from those practiced by APCO Employees Credit Union. APCO does not represent either the third party or you if the two of you enter into a transaction.