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Privacy Policy

An introduction to this privacy policy
Facts	What does Alliance 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 Account Balances Payment History Credit History Transaction History Checking Account Information When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share member’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member’s personal information; the reasons Alliance Credit Union chooses to share; and whether you can limit this sharing.

Reasons why we share certain data, what data we share, and if you can limit our sharing
Reasons we can share your personal information	Does Alliance 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 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 affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don’t share

What to do if you have questions
Questions?	Call 636-343-7005, option 0 or live chat with us now during business hours.

Who is providing this notice
Who we are
Who is providing this notice?	Alliance Credit Union Your local, not-for-profit, financial cooperative

What we do with your personal information, how we collect it, and why you can’t limit all sharing
What we do
How does Alliance 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 Alliance Credit Union collect my personal information?	We collect your personal information, for example, when you: Open an account Make deposits & withdrawals from your account Pay your bills Apply for a loan Provide your mortgage information 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?

Definitions of terms in this privacy policy
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Alliance Credit Union has no Affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Joint marketers we share with include authorized insurance companies and an authorized credit card company.