Privacy

How we collect, share, and protect your personal information

Privacy Policy Disclosure

What does Birmingham City 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 Birmingham City Credit Union chooses to share; and whether You can limit this sharing.

Reasons We can share Your personal information

Does the 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

For Our marketing purposes – to offer Our products and services to You

YES

For joint companies marketing with other financial companies

YES

For Our affiliates’ everyday business purposes – information about Your transactions and experiences

WE DON’T SHARE

For Our affiliates’ everyday business purposes – information about Your creditworthiness

WE DON’T SHARE

For Our affiliates to market to You

WE DON’T SHARE

For non-affiliates to market to You

WE DON’T SHARE

Questions?

Call 205-583-4654

How does Birmingham City 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 Birmingham City 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

We also collect Your personal information from others, such as credit bureaus, affiliates, or others.

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 credit worthiness
affiliates from using Your information to market You
sharing for non-affiliates to market 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. Birmingham City Credit Union does not share with Our affiliates.

Non-Affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies. Birmingham City Credit Union does not share with non-affiliates so they can market to You.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to You. Our joint marketing partners include categories of companies, such as:

financial service providers
insurance companies

Who We Are

Who is providing this notice?
Birmingham City Credit Union