Legal & Disclosures


































What Does Embers Credit Union Do With Your Personal Information?

Rev. Date 9/14

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 balances
  • credit card or other debt 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 Embers Credit Union chooses to share; and whether you can limit
this sharing.
Reasons We Can Share Your Personal Information Does Embers 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
For our affiliates’ everyday business purposes
information about your creditworthiness
No We Do Not Share
For nonaffiliates to market to you No We Do Not Share
What We Do
How does Embers Credit Union protect my 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 Embers Credit Union collect my personal  information?
We collect your personal information, for example, when you
 
  • open an account or give us your income information
  • provide employment information or apply for financing
  • give us your contact information
State law and individual companies may give you additional rights to limit sharing.
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.
  • Embers Credit Union does not share with affiliates.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Embers 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 mortgage companies and insurance
    companies and members financial services.