WHAT DOES ATLANTIC REGIONAL FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

WHY? - Financial companies choose how they share your personal information. Federal law gives members 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 services you have with us. This information can include: (1) social security number and income; (2) account balances and payment history; (3) credit history and credit score

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

Reasons We Can Share Your  Personal Information	Does Atlantic Regional  FCU 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 to 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	NO	We don't share
For our affiliates' everyday business purposes - information about your creditworthiness	NO	We don't share
For our affiliates to market to you -	YES	YES
For non-affiliates to market to you -	NO	We don't share

TO LIMIT OUR SHARING
     - Call toll-free (800) 834-0432 and speak with a Member Service Representative
    - Or, complete the on-line opt-out:www.atlanticregional.com/asp/optout.asp
 
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 our member, 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 toll-free (800) 834-0432 or go to www.atlanticregional.com

 

WHAT WE DO
How does Atlantic Regional FCU protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measure include computer safeguards and secured files and buildings.  We restrict access to nonpublic personal iformation about you to person who need to know that personal information to provide products or services to you.
How does Atlantic Regional FCU collect my personal information?	We collect your personal information, for example, when you: (1) open an account or deposit money; (2) 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: (1) sharing for affiliates' everyday business purposes - information about your creditworthiness; (2) affiliates from using your information to market to you; (3) sharing for non-affiliates to market to you.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. - our affiliates include companies with an Abenaki Insurance Services or Abenaki Retirement & Investment Services name
Non- Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. - Non-affiliates we share with can include insurance companies, government agencies, plastic card processors (credit/debit/ATM), consumer reporting agencies, data processors, and check/share draft printers
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. - our joint marketing partners include CUNA Mutual Group's MEMBERCONNECT

Privacy Policy:Revised 4/11