Lanier Federal Credit Union
LANIER
FACTS   WHAT DOES LANIER 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 INCOME
  • ACCOUNT BALANCE and PAYMENT HISTORY
  • CREDIT HISTORY and CREDIT SCORES

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 customers MEMBERS personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers MEMBERS personal information; the reasons LANIER FCU chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does Lanier Federal 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
NO
WE DON'T SHARE
     

For our affiliates’ everyday business purposes — information about your transactions and experiences

YES
YES
     

For our affiliates; everyday business purposes — information about your creditworthiness

NO
WE DON'T SHARE
     
For nonaffiliates to market to you  
YES
NO
     
QUESTIONS Call 770-503-1765 or go to WWW.LANIERFCU.ORG

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WHO WE ARE
Who is providing this notice? LANIER FEDERAL CREDIT UNION
WHAT DO WE DO
How does LANIER FCU Protect 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 LANIER FCU Collect my personal information?

We collect your personal information, for Example, when you

  • OPEN AN ACCOUNT or APPLY FOR A LOAN
  • PAY YOUR BILLS or USE CREDIT OR DEBIT CARD
  • MAKE DEPOSITS TO OR WITHDRAWALS FROM YOUR ACCOUNT

WE ALSO COLLECT YOUR PERSONAL INFORMATION FROM OTHER 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 for nonaffiliates to market to you

State laws 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.

   
Nonaffiliates

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

  • NON AFFILIATES WE SHARE WITH WOULD BE INSURANCE COMPANIES WHO CAN OFFER COMPETITIVE PRODUCTS TO OUR MEMBERS
   
Joint Marketing

A formal agreement between non affiliated financial companies that together market financial products or services to you.

  • OUR JOINT MARKETING PARTNERS INCLUDE SOME INSURANCE COMPANIES
Other Important Information
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR INFORMATION IS VERY IMPORTANT TO US. WE MAINTAIN PHYSICAL AND ELECTRONIC PROCEDURAL SAFEGUARDS TO PROTECT THIS INFORMATION. WE DO NOT DISCLOSE INFORMATION ABOUT OUR MEMBERS, EXCEPT AS PERMITTED BY LAW.
 
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