ACPE Privacy Policy

Adopted November 21, 2000
Revised 1/26/05, 11/28/07, 3/24/10

PURPOSE - ACPE Federal Credit Union is committed to making available financial products and services that will enable the credit union to meet the financial needs of its members and assist them in reaching their financial goals. Protecting personal information and using it in a manner consistent with member expectations is a high priority for everyone associated with ACPE Federal Credit Union.

ACPE’s goal is to protect and maintain member trust and confidence when handling personal information.

PRIVACY STANDARDS - To ensure members can rely upon the quality of services ACPE Federal Credit Union makes available, the credit union has approved the following privacy policies:

ACPE Federal Credit Union will collect only the personal information that is necessary to conduct its business and is required by law. That means only what is necessary to provide our services -- no more.

ACPE Federal Credit Union will protect all personal information. The credit union will maintain security controls to ensure member information in ACPE’s files and computers are protected. Where appropriate, the credit union will use security-coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.

Employees will be trained in the proper handling of personal information and when other companies are used to provide necessary services for ACPE, those companies will be required to protect the confidentiality of the personal information they receive from ACPE.

Members of ACPE Federal Credit Union will always have the opportunity to review their information and make necessary changes to ensure their records are complete and accurate.

ACPE will only share information to administer the products and services provided, when required to do so by the government, court order, legal process, when necessary to transact or conduct normal business or when necessary to protect against fraud or unauthorized transactions.

ACPE Federal Credit Union will not sell nor provide information in any way to telemarketing firms or non-partnered businesses. Each member will be advised on the Privacy Policy at the time of opening an account and each year thereafter.

F. ACPE discloses information we collect, as permitted by law, to credit union service providers (if applicable), or other financial institutions with whom we have joint marketing agreements; other affiliates to help us administer our business or provide product information to you; and other third parties, but only to administer products and services you obtain from us, conduct our business, (as when we obtain marketing or data processing services) or when legally required.

ACPE Federal Credit Union may provide the names, addresses, and/or phone numbers of Board members to credit union members, only with an individual Board member’s written permission.

ACPEFCU will provide its members with a annual “Privacy Notice” and The “Notice” will be posted on the credit union’s web site. NCUA has provided language with their privacy regulation that should be covered in this disclosure. Further, NCUA has provided a model privacy notice and stated that the “safe harbor” protections may not apply if the model notice or a similar notice is not used. ACPEFCU will use the model notice and a copy is attached hereto.

Important information about Credit Reporting:

We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.

Rev. 3/2010

PRIVACY NOTICE

WHAT DOES ACPE FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial institutions 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
Payment history and Transaction or loss history
Account balances and checking account 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 institutions can share their members’ personal information; the reasons ACPE Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does ACPEFCU 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	NO	NO
For our affiliates’ everyday business purposes- information about your transactions and experiences	NO	NO
For our affiliates’ everyday business purposes- information about your creditworthiness	NO	NO
For our affiliates to market to you	NO	NO
For non-affiliates to market to you	NO	NO

________________________________________________________________________________________________________________________

Questions?

Call (307)745-4726 or go to www.acpefcu.com

Who we are
Who is providing this notice?	ACPE Federal Credit Union

What we do
How does ACPEFCU 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 ACPEFCU collect my personal information?	We collect your personal information, for example, when you Open an account or deposit money Pay your bills or apply for a loan Use your credit or debit card We also collect your personal information from others, such as credit bureaus 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 information for non-affiliates 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 or non-financial companies.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Co-Op ATM/Debit Card network Credit bureaus Internal Revenue Service Mail companies Auditors
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. CUNA Insurance

Other important information