First Alliance Credit Union (the Credit Union) is sincerely committed to protecting the privacy concerns of its members.  We understand that your personal and financial information is important to you.  This policy is designed to ensure the proper guidelines are set forth regarding information shared.  It is First Alliance Credit Union's responsibility to abide by all applicable laws and regulations governing privacy of member information.

The Privacy Policy Explains The Following

• Protecting the confidentiality of our members' information.
• How we gather information.
• The types of information we share, why, and with whom.
• Opting Out- how to instruct us not to share certain information about you or not to contact you.

Protecting the Confidentiality of Member Information

We take our responsibility to protect the privacy and confidentiality of your information very seriously.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to store and secure information about you from unauthorized access, alteration, and destruction.  Our control policies for example, authorize access to your information only by individuals who need access to do their work.

From time to time, we enter into agreements with vendors and other third parties to provide services to us or make products and services available to you.  Under these agreements, the vendors and other third parties may receive information about you but they must adhere to the same standards and level of confidentiality contained in our privacy policy.

How We Gather Information

In order to conduct business, the Credit Union obtains member information either from you or from outside sources.  This information is used to provide quality financial products and services.
In addition, the information may be used to comply with federal and state laws and regulations.

The Credit Union collects nonpublic personal information about you from the following sources:

• Applications, forms, and other information that you provide to us, whether in writing, in person, by telephone, electronically, or by any other means.  This information may include but is not limited to: name, address, social security number, employment information, income and credit references;
• Your transactions with us, our affiliates, or others.  This information may include account balances, payment history, and account usage;
• Information received from a consumer reporting agency such as credit history , account information and information about your credit worthiness;
• Information received from public sources that may include real estate records, employment records, telephone numbers, etc.

Information We Share

We are required to or we may provide information about you to third-parties without your consent, as permitted by law, such as: regulatory agencies and law enforcement officials, collection agencies and consumer reporting agencies.

In addition, we may provide information about you to our vendors to help us meet your financial needs.  Our vendors include but are not limited to: billing service providers, title and escrow companies, appraisal companies and financial service providers.

Consequently, as permitted by law, we may disclose any of the personal information that we have collected about you to companies with whom we have joint marketing agreements.

Opting Out

We respect your privacy.  If you choose to opt out, call the credit union with your personal information or print out our on-line opt-out form, sign it and return it to the credit union.

Protection of Personal Information

We restrict access to your information to those employees who need to know that information to provide products or services to you. We will continue to review our procedures and practices to safeguard your information.

You can help by following these simple guidelines:

• Protect your account numbers, plastic card numbers and PINs
• Use caution in disclosing your information to other persons