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Revision date: 01-2016
FACTS
WHAT DOES FIRST TRUST 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 balance and payment history
- Credit History and Credit scores
How?
All financial companies need to share 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 First Trust Credit Union
chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does First Trust CU 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 | Yes |
| For joint marketing with other financial companies | Yes | Yes |
| 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 our affiliates to market to you | No | WE DON’T SHARE |
| For nonaffiliates to market to you | No | WE DON’T SHARE |
To limit
our sharing
- Call —our menu will prompt you through your choice(s)
- E-mail us at marketing@firsttrustcu.com
Please Note:
If you are a new customer/member, we can begin sharing your information 30 days from the sent this notice. When you are no longer our customer, we continue to share your information as we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions?
Call 800-276-6161 or email us at marketing@firsttrustcu.com
| What We Do | |
|---|---|
| How does First Trust 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 fi les and buildings. |
| How does First Trust Credit Union 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 |
| 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 laws and individual companies may give you additional rights to limit sharing. |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. • First Trust Credit Union has no affiliates |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. • First Trust Credit Union does not share with nonaffiliates. |
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include insurance product providers and marketing communication partners. |