Privacy Policy
FACTS |
WHAT DOES EMPEOPLE CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? |
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| 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: | ||
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| When you are no longer a 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 Empeople chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Empeople 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 | Yes | No |
| For our affiliates’ everyday business purposes – information about your transactions and experiences |
No | We don’t share |
| For our affiliates to market to you (SMS text opt-in data will not be shared with any third-parties, including our affiliates) |
Yes | Yes |
| For our affiliates’ everyday business purposes – information about your creditworthiness |
Yes | Yes |
| For nonaffiliates to market to you | No | We don’t share |
Questions? |
Email us at [email protected] or call/text us at (309) 743-1000. | |
What We Do |
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| How does Empeople 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. |
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| How does Empeople collect my personal information? | We collect your personal information, for example, when you:
We also collect your personal information from others, such as credit bureaus. |
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| Why can’t I limit all sharing? | Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
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| Why is SMS text opt-in data excluded from affiliate marketing? | Text messaging is a highly regulated channel of communication. Wireless carriers prohibit financial institutions from sharing consumer SMS text opt-in data for third-party lead generation. Only the business that has obtained a consumer’s consent may contact an individual via SMS for marketing purposes. Because of this, we do not share consumer SMS text opt-in data with our affiliated for their own marketing purposes. | |
Definitions |
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| Affiliates | Companies are related by common ownership or control. They can be financial and non-financial companies.
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| Nonaffiliates | Companies not related by common ownership or control. They can be financial and non-financial companies.
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| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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Other Important Information |
| For Alaska, Illinois, Maryland, and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.
For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. The Credit Union reserves the right to modify, change or amend this Privacy Policy and Agreement at any time without notice other than as expressly required by applicable law. Notices and “Joint Relationships“. Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, to the e-mail or Internet address provided by said person; or we shall post or otherwise give notice by posting a notice, providing a link or using such other electronic methods authorized under applicable laws and/or regulations. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph. The Credit Union reserves the right to modify, change or amend this Privacy Policy and Agreement at any time without notice other than as expressly required by applicable law. For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization. For Vermont Members. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization. |