Access First Federal Credit Union Privacy Policy

THIS IS YOUR PRIVACY POLICY DISCLOSURE AND INSTRUCTIONS.  IT CONTAINS IMPORTANT INFORMATION CONCERNING OUR PRIVACY POLICY AND INCLUDES NECESSARY DISCLOSURES AS REQUIRED BY THE GRAMM-LEACH-BLILEY ACT (15 U.S.C., CH. 94, §6801 ET. SEQ.) AND THE NATIONAL CREDIT UNION ADMINISTRATION RULES AND REGULATIONS (12 CFR 716) AND ANY SPECIAL INSTRUCTIONS REGARDING YOUR OPTING OUT OF DISCLOSURES NONPUBLIC INFORMATION.  PLEASE BE CERTAIN TO READ THESE DISCLOSURES AND INSTRUCTIONS CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Categories of information We collect. We collect nonpublic personal information about You from the following sources:
  • Information We receive from You on applications or other forms;
  • Information about Your transactions with Us, Our affiliates, or others; and
  • Information We receive from a consumer reporting agency. 

Categories of information We disclose about existing and former members. We may disclose the following kinds of nonpublic personal information about You:
  • Information We receive from You on applications or other forms, such as Your name, address, social security number, assets, and income;
  • Information about Your transactions with Us, Our affiliates, or others, such as Your account balance, payment history, parties to transactions, and credit card usage; and
  • Information We receive from a consumer reporting agency, such as Your creditworthiness and credit history.

Categories of parties to whom We disclose information about existing and former members. We may disclose nonpublic personal information about You to the following types of third parties:
  • Financial service providers, such as mortgage bankers, securities broker-dealers, credit union service organizations; and insurance agents;
  • Non-financial companies, such as retailers, direct marketers, airlines, and publishers; and
  • Others, such as non-profit organizations.

We may also disclose nonpublic information about You to nonaffiliated third parties as permitted by law.

Information disclosed to service providers and joint marketing companies about existing and former members. We may disclose the following information to companies that perform marketing services on Our behalf or to other financial institutions with whom We have joint marketing agreements;
  • Information We receive from You on applications or other forms, such as Your name, address, social security number, assets, and income;
  • Information about Your transactions with Us, Our affiliates, or others such as Your account balance, payment history, parties to transactions, and credit card usage; and
  • Information We receive from a consumer reporting agency, such as Your credit worthiness and credit history.

Our policy and practices on protecting the confidentiality and security of information We have about You. We restrict access to nonpublic personal information about You to those employees who need to know that information to provide products and services to You.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard Your nonpublic personal information.

Your right to request that We no disclose information about You. If you prefer that We not disclose nonpublic information about You to affiliated and nonaffiliated third parties; You may opt out of those disclosures, that is, You may direct Us not to make those disclosures (other than disclosures permitted by law).  If You wish to opt out of these such disclosures to affiliated and nonaffiliated third parties, You may call us at (269) 668-6336.

To ensure compliance with the Children's Online Privacy Protection Act, Access First Federal Credit Union does not collect, retain, or has any interest in any other linked site that collect or retains, information from children under the age of 13.

Information regarding this website: We collect and store information that is generated automatically as you navigate through this website.  For example, to enhance your experience on the website, we use a standard feature found in browser software called a "cookie".  Cookies are small files that your web browser places on your hard drive for record-keeping purposes.  By showing how and when visitors use the website, cookies help us track user trends and patterns.  They also prevent you from having to re-enter your preferences on certain areas of the website where you have entered preference information before.  Another example of information that we automatically collect as you navigate the website is information about your computer's connection to the Internet.  This information allows us, among other things, to improve the delivery of our web pages to you and to measure traffic on the website.