Privacy Policy

FACTS WHAT DOES ALLEGANY COUNTY TEACHERS 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 and income
  • Account balances and payment history
  • Credit history and credit scores

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 customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Allegany County Teachers Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Allegany County Teachers Federal 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 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 No We don’t share
For our affiliates’ everyday business purposes –
Information about your transactions and experiences
Yes Yes
For our affiliates’ everyday business purposes –
information about your creditworthiness
Yes Yes
For nonaffiliates to market to you No We don’t share
To limit our sharing
  • Call 301-729-8015
  • Contact us online at http://www.alcoteachersfcu.org/contact/ or
  • Fill out and mail the form below

Please note:
If you are a new member, we can begin shareing your information thirty [30] days from the date we send this notice. When you are no longer our member, we continue to share your information as described in this notice.

Questions? Call 301-729-8015 or go to www.alcoteachersfcu.org
Mail-In Form
If you have a personal account, your choice(s) will apply to everyone on your account unless you mark below.

 

Note: If you have previously submitted your request, it is not necessary to submit it again.

Mark any/all you want to limit:

Name ___________________________________________________

Address _________________________________________________

City/State/ZIP ___________________________________________

Mail or Deliver to: Allegany County Teachers
Federal Credit Union
14316 National Highway SW
LaVale, MD 21502
Who we are
Who is providing this notice? Allegany County Teachers Federal Credit Union
What we do
How does Allegany County Teachers 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 Allegany County Teachers Federal Credit Union collect my personal information? We collect your personal information, for example, when you

  • Open an account or deposit money
  • Apply for a loan or use your credit or debit card
  • Pay us by check

We also collect your personal information from others, such as credit bureaus, affiliates, and 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 law 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.

  • Our affiliates include financial service providers such as check clearing, data, and credit/debit card processors; and non-financial companies such as insurance providers.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Allegany County Teachers Federal Credit Union does not share with non-affiliates so they can market to you.
  • Allegany County Teachers Federal Credit Union only discloses information to nonaffiliated third parties that are exempt from opt-out as permitted by law.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Allegany County Teachers Federal Credit Union does not jointly market.
Other important information
Allegany County Teachers Federal Credit Union restricts access to non-public personal information about you to those individuals who want this information to provide products and services to you.

We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

Please contact us at 301-729-8015 if you have any questions about this privacy notice.

 

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