At AB&W Credit Union our mission is to meet the desires of our members.  As financial service professionals entrusted with sensitive financial information, we respect the privacy of our members and are committed to treating member information responsibly.  Our member information privacy policy serves as a standard for all AB&W Credit Union employees for collection, use, retention and security of individual member information.

Who we are

Who is providing this notice?

AB&W Credit Union, Inc.

What we do

How does AB&W   CU protect my personal information?

To protect your personalinformation from unauthorized

accessand use,we use security measures that comply with federal law.These measures include compute rsafeguards and secured files and buildings.

How does AB&W   CU 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 check card or debitcard

We also collect your personal information for others such as credit bureaus, affiliates, or other companies.

Why can't I limit sharing?

Federal law gives  you the rightto limit only:

Sharing for affiliates' everyday business purposes-      information about your credit worthiness

Affiliates from using  your information to market to you

Sharing for nonaffiliated to market to you

State laws and individual companies may give youa dditional   rights to limit sharing.

Definitions

Affiliates

Companies related bycommon ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates

Companies not related bycommon ownership or control. Theycan be financial and nonfinancial companies.

  Including: insurance companies, non-profit organizations and direct marketing companies.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services toyou.
 

Including: Debit card provider, credit bureaus and investment services.

 

FACTS

WHAT DOES AB&W CREDIT UNION, INC. DO WITH YOUR PERSONAL INFORMATION?

WHY?

Financial companies choose how they share personal information. Federal lawg ives consumers the right to limit some but not all sharing.  Federal law also requires us to

tell you how   w  e      c   o  l  l  e  c  t  , 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          

•   Address and Phone number

•   Credit History and credit scores

HOW? All financialcompanies need to share member   personal information to run theireveryday business. In the section   below, we list the reasons financial companies can share their member's personal information; the reasons that AB&W   Credit Union Inc. chooses to share;and whether you can limit this sharing.

Reasons we can share your personal information

Does AB&W  

share?

Can you limit this sharing?

For our everyday business purposes-such as to process your transactions, maintain your account(s), respondto court orders and legal investigations, or report to creditbureaus.

Yes

No

For our marketingpurposes-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

Yes

Yes

For our affiliates' everyday business purposes-information about your credit worthiness.

Yes

Yes

For our affiliates to market to you.

Yes

Yes

For nonaffiliates to market to you.

Yes

Yes

To limit our sharing

QUESTIONS?

If you are a new member, we can begin sharing your information 10   days from the date we sent this notice. When you are no longer our member, 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 703-768-7000 or visit our   Credit Union Office