Alabama Credit Union - Privacy Policy

Alabama Credit Union is owned by its members and run by a board of directors you elect. We recognize the importance our members place on privacy and the security of their personal information. Our goal is to protect your personal information in every way that we interact with you – whether it’s on the telephone, in our lobby, at one of our ATMs, or on the Internet.

We think it is important for you to be informed of the policies, procedures, and security measures we have in place to safeguard your personal and confidential information. As required by Federal statute, we have developed this statement to help you understand the steps we take to protect your sensitive personal information, and are required by law to give you this privacy notice. Throughout our Web site, you will have access to our Privacy Statement at any time.

Please read below to understand more about how Alabama Credit Union protects your privacy, and contact us with any questions. Privacy questions should be directed to Kayce Bell, (205) 348-2321, or Steve Swofford, (205) 348-7050.

Information That We Collect and Disclose About You:
We collect and may disclose all nonpublic, personal information about you from the following sources: Alabama Credit Union only discloses non-public personal information about you as is required in the normal conduct of your financial business. That information may come from the following sources:
» Information we receive from you on membership and loan applications, e-mails, or other forms.
» Information about your transactions with us and others.
» Information we receive from a consumer reporting agency.

We may disclose information we collect about you under circumstances permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your relationship with Alabama Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information
Alabama Credit Union has developed strict policies and procedures to safeguard your personal information. We restrict access to nonpublic, personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic, personal information.

About “opting out”
Because Alabama Credit Union does not sell member’s private information, we are not required to provide you an opt-out opportunity (“opting out” is a member’s ability to choose to have none of their information shared with anyone). As you’ve read, it is necessary for us to share certain information about members’ accounts in order to conduct transactions – for example, ordering checks, obtaining credit history, clearing checks, processing credit or debit card transactions, etc. Recent media reports have incorrectly advised consumers that all financial institutions must provide an opt-out notice and that consumers should send one to every financial institution with whom they do business. Actually, many financial institutions – such as Alabama Credit Union – do not conduct the type of information-sharing activities that require an opt-out notice be given to you under the new law. If you send an opt-out notice to Alabama Credit Union, we regret that we have no choice except to close your Alabama Credit Union account since the only information we share is necessary to complete your account transactions.

We are proud of our long-established position of protecting your private information before the Gramm-Leach-Bliley Act (“privacy act”) became law, and we will continue to safeguard your privacy by sharing only necessary information with reputable third parties whose services are necessary to service your account transactions.

Alabama Credit Union Internet Security Notice
Our Web Site
Visitors to our Web site remain anonymous. We do not collect unique identifying information about you unless you voluntarily and knowingly provide us that information. We do not send Web site visitors a “cookie.” Our Web service providers collect and disclose general information to us about all visitors to the Web site, such as when you accessed our site, which pages you accessed in our Web site, and what Internet provider you used when you accessed our site.

You may elect to provide us with more specific information, such as when you give us feedback, or send us an e-mail. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided. We preserve the content of your e-mail address and our response so that we can more efficiently handle any follow-up questions you may have.

Regular non-encrypted Internet e-mail is not secure. In the instances where we have provided our e-mail addresses, they are provided for information inquiries of a non-confidential nature. You should not include personal or confidential information in any e-mail transmission to us. We, in turn, will not include any confidential account information in any e-mail response. If you wish to e-mail personal or confidential information, you should contact us through ACUiBranch®. You may alternatively contact us by telephone, U.S. Mail or by visiting our office.

We do not disclose or sell to any third party information that we collect or that is provided to us from visitors to our Web site. We do not send advertisements or e-mail to someone who just visited our Web site.

Third Party Links
Our Web site has a number of links to other third party sites. These links to external third parties are offered as a courtesy and a convenience to our members. Alabama Credit Union is not responsible for the privacy practices or the content of such Web sites.

Third party merchants may collect personal information from you when you visit their sites. Alabama Credit Union does NOT have access to this information, nor can we control how they use this information. If you have questions or concerns about the privacy policies and practices of these third parties, please review their Web sites and contact them directly. Alabama Credit Union assumes no responsibility for the content, safety, security, or privacy of any such site or any transactions you conduct through them.

Protecting our Children
Alabama Credit Union offers Dollar Dog Kids Club (which includes Dollar Dog Kids Club Web pages

) and Goolgolplex

(an online magazine) for children up to age 12 and boom! Money and Stuff Teen Club (which includes boom! Money and Stuff Teen Club Web pages

) and Googolplex

(an online magazine) for teenage members age 13 - 18. Individuals within this age group could register for online accounts.

We want to help parents protect the privacy of children so when we identify applications or enrollment forms from a customer/member under the age of 13, we will send a Parental Consent Form to the physical address provided in the enrollment form. If the parent or guardian decides not to allow the online account or does not return the consent form within 30 days, we will decline acceptance of online banking accounts and services. Alabama Credit Union will not use information collected from members under 13 years of age for any e-mail advertisement, marketing or other promotional purposes, whatsoever. Information will only be shared with third parties as allowed by law.

For further details on how we could use the information provided by your child, please read the section of our privacy policy that discusses Information That We Collect and Disclose About You. A parent or guardian has the right to review the personal information collected on a child under 13 years old. If requested, the parent or guardian can have the information deleted and refuse to allow any further collection or use of the child’s information. To make such requests, please contact our ACUiBranch® Department at (205) 348-5944 or (888) 817-2002.

ACUiBranch®
Our ACUiBranch® service provider, FundsXpress, has developed security policies and procedures to protect the member information that they must collect and maintain to help us process your ACUiBranch® transactions over the Internet. They have developed a top-of-the-line security system to ensure your member information is protected on the Internet and within the FundsXpress environment. For more information on the FundsXpress security measures, please visit: http://www.fundsxpress.com/privacy.htm

When you log on to the ACUiBranch® system, our service provider, FundsXpress, passes a cookie to your browser. The cookie only identifies your computer. FundsXpress does not (and cannot) use cookies to collect or obtain new personal information about you. This cookie allows FundsXpress to process multiple transactions during your session without requiring you to re-enter your pass code for each individual transaction. The cookies for online Internet account access simply provide another level of security for our ACUiBranch® product.

The ACUiBranch® uses encrypted cookies that do not pass to your hard drive. Only FundsXpress can read the information in these cookies. When you log off, close your browser, or turn off your computer, the cookie is destroyed. A new cookie is used for each session. That way, no one can use the prior cookie to access your account. For additional security, the cookie expires after 10 minutes of inactivity. It must then be renewed by re-entering your pass code.

Secure e-mail may be sent through the ACUiBranch® service. You should use the secure mail service anytime you send the credit union sensitive personal information.

Questions
If you would like to know what information Alabama Credit Union and FundsXpress have collected regarding your use of Internet products and services, if you believe any information that Alabama Credit Union or FundsXpress has collected about you has been used for an improper purpose, or if you have other questions about this Internet Security Notice, please contact us by telephone at (205) 348-5944 or (888) 817-2002, or send a letter to Privacy Compliance Officer, P.O. Box 862998, Tuscaloosa, AL 35486-0027, or e-mail Alabama Credit Union at info@AlabamaCU.com or FundsXpress at support@fundsxpress.com.