FACTS
WHAT DOES EM 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 EM Federal Credit Union’s Privacy Policy.
At EM Federal Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by EM Federal Credit Union. This notice explains what types of member information we collect and under what circumstances we may share it.
What?
The types of personal information we collect and share depend on the accounts or services you have with us. This information can include:
◼ Name, address, social security number, date of birth, and income
◼ Account balances and transaction history
◼ Credit history and credit scores
When you are no longer our member, we will not share your information except as permitted or required by law 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 EM Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does E M 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 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
No
We don’t share
For our affiliates’ everyday business purposes — information about your transactions and experiences
Yes
No
For our affiliates’ everyday business purposes — information about your creditworthiness
Yes
No
For non-affiliates to market to you
No
We don’t share
Questions?
Call 480-633-4435, or write to us at: EM Federal Credit Union, 50 W Iron Avenue, Mesa, Arizona 85210
What we do
How does EM 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. We also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you.
How does EM Federal Credit Union collect my personal information?
◼ apply for any credit union service; ◼ provide us information on any application or transaction, or information you send to us by mail; ◼ make deposits to or withdrawals from your accounts We also collect your personal information from others, including credit bureaus or other companies.
Why can’t I limit all sharing?
◼ 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 nonfinancial companies.
Non-affiliates
◼ EM Federal Credit Union does not share with non-affiliates so they can market to you.