Privacy Policy
Table of Contents
- Introduction
- Questions
- What We Do
- Definitions
- Download Our Privacy Policy
- Online Privacy Policy
- Children’s Online Privacy Protection Act (COPPA) Disclosure
- SMS Marketing Consent Policy
What Does Arkansas 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 member, 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 Arkansas Federal chooses to share; and whether You can limit this sharing.
| Reasons We can share Your personal information | Does the 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 | YES | NO |
| For Our affiliates’ everyday business purposes – information about Your creditworthiness | YES | YES |
| 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 800.456.3000 — our menu will prompt you through your choice(s).
Questions?
Call 800.456.3000 or write to Us at: P.O. Box 24410, Little Rock, AR 72221
What We do
How does Arkansas Federal 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 Arkansas Federal collect my personal information?
We collect Your personal information, for example, when You
- open an account or deposit money
- 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 others.
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 You • sharing for non-affiliates to market 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 non-financial companies.
- Our affiliates include financial companies such as: CUDL, Arkansas Federal Insurance Solutions LLC and CoOp/CSCU.
Non-Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
- Arkansas Federal does not share with non-affiliates so they can market You.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to You.
- Our joint marketing partners include categories of companies, such as: Financial service providers and insurance companies.
Online Privacy Policy
Children’s Online Privacy Protection Act (COPPA) Disclosure
The Children’s Online Privacy Protection Act (COPPA) restricts the collection, use, or disclosure of Personal Information from and about children under the age of 13 on the internet.
In compliance with COPPA, Arkansas Federal Credit Union (known as “Credit Union”) is committed to protecting the online privacy of the children who visit our website.
The Credit Union’s website and online services are not intended for nor directed to children under the age of 13, nor is information knowingly collected from children under the age of 13.
Should the Credit Union receive information (name, address, email, account number, telephone, social security number) from a child known to be under 13, the information will only be used to respond directly to the child, seek parental consent, or provide parental notice.
Personally identifiable information that is collected online from their children may be reviewed by a parent or guardian upon written request. The parent or guardian has the right to have information deleted and instruct the Credit Union to cease collecting further information from their child.
The Credit Union is not responsible for the data collection and use practices of nonaffiliated third parties. For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission’s website.
SMS Marketing Consent Policy
By consenting to Arkansas Federal Credit Union’s SMS marketing via our subscription tools, you agree to receive recurring text notifications, text marketing offers, and transactional texts, from us or sent by service providers on our behalf, including messages sent by an automatic telephone dialing system, even if your mobile number is registered on any state or federal do-not-call list. Message frequency varies. Consent is not a condition of purchase.
If you wish to unsubscribe from receiving text marketing messages and notifications, reply with STOP to any mobile message sent from us or use the unsubscribe link we provided you within any of our messages. You understand and agree that alternative methods of opting out, such as using alternative words or requests, will not be considered a reasonable means of opting out. We do not charge for the service, but you are responsible for all charges and fees associated with text messaging imposed by your wireless provider. Message and data rates may apply.
For any questions, please text HELP to the number you received the messages from. You can also contact us for more information.
We have the right to modify any telephone number or short code we use to operate the service at any time. You agree that any messages you send to a telephone number or short code we have changed, including any STOP or HELP requests, may not be received, and we will not be liable for honoring requests made in such messages.
To the extent permitted by applicable law, you agree that we will not be liable for failed, delayed, or misdirected delivery of any information sent through the service, any errors in such information, and/or any action you may or may not take in reliance on the information or Service.
Your right to privacy is important to us. You can see our Privacy Policy here to determine how we collect and use your personal information.