PRIVACY POLICY
FACTS:
WHAT DOES LCRA 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 income
• Account balances and payment history
• Credit history and credit scores
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 LCRA Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does LCRA 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 to 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 | No | Yes |
| For our affiliate's everyday business purposes – information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes – information about your creditworthiness | Yes | No |
| For affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | Yes |
To limit our sharing: Call 737-212-0030 or Contact Us
Please Note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, 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 737-212-0030 or Contact Us
| Who We Are | |
|---|---|
| Who is providing this notice? | LCRA Credit Union |
| What We Do | |
| How does LCRA 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 LCRA Credit Union 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, affiliates, or other companies. |
| Why can’t I limit all sharing? | Federal law gives you the right to limit only
State law 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 | Your choices will apply to everyone on your account. |
| Definitions | |
| Affiliates | Companies related by common ownership or control. They can be financial and
nonfinancial companies.
|
| 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.
|
| Other Important Information | If you have a problem with the services provided by this credit union, please contact us at P. O. Box 19138, Austin, Texas 78760, memberservices@lcracu.org or 737-212-0030. The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department at 914 E. Anderson Lane, Austin, TX 78752-1699, 512-837-9236 or cud.texas.gov |
