Privacy Policy

FACTS

What does Alcon Employees 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 account balances

  • Account transactions and credit history

  • Credit scores and income

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 Alcon Employees Federal Credit Union chooses to share; and whether you can limit this sharing.

Information we collect about you:

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications and other forms

  • Information about your transactions with us

  • Information we receive from a consumer reporting agency

  • Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.

We may disclose all of the information we collect, as described above, as permitted by law.

Parties who receive information from us:

We may disclose nonpublic personal information about you to the following types of third parties:

  • Financial service providers, such as insurance companies, and mortgage service companies.

  • Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers/printers, plastic card processors, and government agencies.

Questions?

Call 800-235-6913 or go to WWW.ALCONEFCU.ORG

What We Do

How does Alcon Employees 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 Alcon Employees Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

  • open an account or show your government-issued ID

  • give us your income information or apply for financing

  • show us your driver's license

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

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 law 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 nonfinancial companies.

  • Alcon Employees Federal Credit Union has no affiliates.

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies

  • Alcon Employees Federal Credit Union does not share with our nonaffiliates so they can market to you.

Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you

  • Our joint marketing partners include insurance companies.