Privacy Policy | LOYALTY CU

Privacy Notice Disclosure

  
    FACTS
    WHAT DOES LOYALTY CREDIT UNION OF FLORIDA 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 account balances
checking account information and credit history
payment history and transaction or loss history

When you are no longer our member, we continue to share your information 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 LOYALTY Credit Union chooses to share; and whether you can limit this sharing.
  

FACTS	WHAT DOES LOYALTY CREDIT UNION OF FLORIDA 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 account balances checking account information and credit history payment history and transaction or loss history When you are no longer our member, we continue to share your information 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 LOYALTY Credit Union chooses to share; and whether you can limit this sharing.

  
    REASONS WE CAN SHARE YOUR PERSONAL
INFORMATION
    DOES LOYALTY 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
    Yes
    No
  

    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 nonaffiliates to market to you
    No
    We don't share
  

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION	DOES LOYALTY 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	Yes	No
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 nonaffiliates to market to you	No	We don't share

QUESTIONS?

Call (850)474-0970 or go to www.loyaltycu.org

WHAT WE DO
How does LOYALTY 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 restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
How does LOYALTY Credit Union collect my personal information?	We collect your personal information, for example, when you open an account or provide employment information apply for financing or make deposits or withdrawals from your account 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 law and individual companies may give you additional rights to limit sharing.

WHAT WE DO

How does LOYALTY 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 restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

How does LOYALTY Credit Union collect my personal information?

We collect your personal information, for example, when you

open an account or provide employment information
apply for financing or make deposits or withdrawals from your account
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 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.
LOYALTY Credit Union has no affiliates

    Nonaffiliates
    
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
LOYALTY Credit Union does not share with our 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 advertising/marketing agencies, financial
advisors and insurance companies

DEFINITIONS
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. LOYALTY Credit Union has no affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. LOYALTY Credit Union does not share with our 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 advertising/marketing agencies, financial advisors and insurance companies

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