Privacy Policy

FACTS

What does Family Trust Federal Credit Union do with your personal information?

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.

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 transaction / payment history;
• Credit history and credit scores.

When you are no longer our member, we continue to share your information as described in this notice.

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 Family Trust Federal Credit Union chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information

Does Family Trust Federal Credit Union share?

Can you limit my sharing?

For our everyday business purposes –

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, and report to credit bureaus

Yes

For our marketing purposes –

to offer our products and services to you

For joint marketing with other financial companies

For our affiliates’ everyday business purposes –

information about your transactions and experiences

For our affiliates’ everyday business purposes –

information about your creditworthiness

For nonaffiliates to market to you

Questions?

Call (803) 367-4100 or 1-866-755-3537 or go to www.familytrust.org

Who we are

Who is providing this notice?

What we do

How does Family Trust Federal Credit Union protect my personal information?

To protect your personal information from unauthorized access and use, we use security measuresthat comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Family Trust Federal 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 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.

• Family Trust Federal Credit Union has no affiliates

Nonaffiliates

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

• Family Trust Federal Credit Union does not share with 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:

• Our joint marketing partners include insurance, investment, and financial services 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 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 sufficiencyof 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.