Privacy Disclosure

FACTS

WHAT DOES Anderson Federal 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
  • Driver’s License number
  • Address

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 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 Anderson Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does AFCU 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 Yes
For joint marketing with other financial companies Yes Yes
For our affiliates' everyday business purposes--
information about your transactions and experiences
n/a n/a
For our affiliates' everyday business purposes--
information about your creditworthiness
n/a n/a
For our affiliates to market to you n/a n/a
For non-affiliates to market to you n/a n/a
To limit our sharing

Print this document. Fill out the Mail-in Form and mail the form to P.O. Box 2427, Anderson, SC 29622

 

Please note:

If you are a new customer, we can begin sharing your information [30] days from the date we sent this notice. When you are no longer our customer, 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 864-225-1254

What we do
How does Anderson Federal 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 Anderson Federal Credit Union collect my personal information

We collect your personal information, for example, when you

  • Apply for services
  • Apply for loans
  • Make transactions
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.

What happens when I limit sharing for an account I hold jointly with someone else? If you have a joint account, your choice(s) will apply to everyone on your account.
Definitions
Affiliates

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

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

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

  • Anderson Federal Credit Union does not share with non-affiliates so that they can market to you.
Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Anderson Federal Credit Union shares with CUNA and Affinion Group for joint marketing.
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 e-mail 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 joint 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 Policy and Agreement at any time without notice other than as expressly required by applicable law.

What members can do to help. Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. In particular, never keep your PIN with your debit card or credit card, as that makes you vulnerable in the event you lose your card or your card is stolen. Use caution in revealing account numbers, social security numbers, etc. to other persons. In particular, if a caller tells you he/she is calling you on behalf of the credit union and asks for your account number, you should beware. Legitimate credit union staff would already have access to that information. It’s important that the credit union has current information about how to reach you. If we detect potentially fraudulent use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

 

To download a printable copy of this document click here.