WHAT DOES ARC 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 accounts, products or services you have with us. This information can include:
- Social Security number and account balances
- account transactions and overdraft history
- payment history and credit 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 ARC Federal Credit Union chooses to share; and whether you can limit this sharing.
How does ARC FCU share your information?
| Reasons we can share your personal information |
Does ARC Federal 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 affiliate's everyday business purposes - information about your transactions and experiences |
No |
We don't share |
| For our afffiliates' 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 |
Questions?
- Call 814-946-0857 - our menu will prompt you through your choice(s)
- Visit us online at www.arcfcu.org
How does ARC Federal 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.
How does ARC Federal Credit Union collect my personal information?
We collect your personal information, for example, when you
- open an account or apply for a loan
- show your driver’s license or give us your employment history
- 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. See below for more on your rights under state law.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- ARC Federal Credit Union has no affiliates
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- ARC Federal Credit Union does not share with nonaffiliates so they can market to 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 Cuna Mutual (TruStage) and direct marketing companies