Why does American First Credit Union gather your personal information?
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 does American First Credit Union do with your personal information?
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
- Name, address, and email address
- Card numbers
- Location information
- Account balances and payment history
We may also gather additional information, such as the type of device and browser you are using, the IP address of your device, information about your device’s operating system, and additional information associated with your device. We may also gather information collected through cookies and other technologies, as described further below.
How does American First Credit Union use your personal information?
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons American First Credit Union chooses to share; and whether you can limit this sharing.
Guidelines for collecting and storage of member information.
As a general rule, American First does not automatically collect personal information. The submission of personal information is initiated by the website visitor. We limit the amount and type of information new collect and retain that which is required to establish and manage your account, understand your needs and provide services, offer new products and services, and comply with legal and regulatory requirements. It is our policy that personal information, such as your name, postal address, email address, and telephone number, is private and confidential. Accordingly, the personal information you provide is stored in a secure location and is accessible only by designated staff, and is used only for the purpose for which you provide the information.
Third-Party Disclosure
We do not disclose or sell personal information about you or our former members to non-affiliated third parties, except as permitted or required by law or regulation or as specified above. We may disclose all of the information we collect to companies with whom we have a financial services agreement to offer financial products and services to you.
| Reasons we can share your personal information | Does American First 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 | Yes |
| For joint marketing with other financial companies | Yes | Yes |
| For our affiliates' everyday business purposes - information about your transactions and experiences | No | We don’t share |
| For our affiliates' everyday business purposes - information about your creditworthiness | No | We don’t share |
| For our affiliates to market to you | No | We don’t share |
| For non-affiliates to market to you | Yes | Yes |
What we do
How does American First 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 American First Credit Union 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
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 non-affiliates 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 non-financial companies.
- American First Credit Union has no affiliates
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
- Non-affiliates we share include investment, insurance, and other financial services company
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include investment, insurance, and other financial services companies
California Consumer Privacy Act (CCPA)
- California residents have the consumer right to require a business to disclose the who, what and why of its information-sharing practices, to limit or require the deletion of personal information in some instances, and to be free from discrimination for exercising those rights; and
- Businesses are required to disclose and provide information about its information collection and sharing practices in response to a verified consumer request available on its website
Consumers have the
- Right to request disclosure of the categories and specific pieces of personal information the business collects or sells
- Right to request deletion of any personal information collected (subject to exceptions)
- Right to opt-out if the information is sold to third parties
- Right to nondiscrimination if the consumer exercises their rights
To limit our sharing
- Call toll-free 800-290-1112 to speak with a Member Service Representative
- Fill out the opt-out form below and mail or bring it to your nearest American First branch; or fax it to American First Credit Union at 562.237.5111
- Email us at contactus@amerfirst.org
If you are a new member, we can begin sharing your information 45 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice, however, you can contact us at any time to limit our sharing.
Download Opt-Out FormQuestions?
Call us at 800-290-1112