What Does Embers Credit Union Do With Your Personal Information?
Rev. Date 2/22
| 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. |
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| What? |
The types of personal information we collect and share depend on the product or service you have
with us. This information can include:
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 |
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|---|---|
| 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
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
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Definitions |
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|---|---|
| Affiliates |
Companies related by common ownership or control. They can be financial and non-financial companies.
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| Non‑Affiliates |
Companies not related by common ownership or control. They can be financial and non-financial companies.
|
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.
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DIGITAL BANKING |
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Our digital banking app may request access or permission to certain features from your mobile device. This access can include records such as your phone number, home address, or email address. We will use this contact information to alert you about events or actions that require your attention. If you grant permission to use your contact information, we may use that information to pre-populate certain forms for contacting you. If you grant permission to use your device’s location, we will use that data when checking for nearby branch and ATM locations. If you grant permission to access photos, media or other files stored on your device, we may use that information to add an image to a transaction, to attach a document to a chat, or to add a photo to your profile. If you grant permission to use your device’s camera, we will use it when taking a picture to add an image to a transaction, or to capture images of a check that is being deposited, or to add a photo to your profile. If you wish to change access or permissions, you may do so in your device's settings. Requests to delete collected information must be sent to us in one of the following ways:
Please note that we will not be able to immediately delete information that we are required by regulation to keep for certain timeframes, and requests to delete or no longer collect information might result in losing certain functionality in our digital banking app. For example, we are required by the Check 21 Act to retain check images you provide to us for a period of 7 years, and if you do not grant permission to use your device’s camera you will not be able to use the mobile deposit function. |
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