What Does Gulf Trust 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 Balances 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 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 Gulf Trust Federal Credit Union chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does Gulf Trust 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. Yes No
For our affiliates’ everyday business purposes—
information about your transactions and experiences.		 No We Do Not Share
For our affiliates’ everyday business purposes—
information about your creditworthiness.		 No We Do Not Share
For non-affiliates to market to you. No We Do Not Share

Questions?

Call (288) 762-0659 or go to www.gulftrustcu.org

Who We Are
Who is providing this notice? Gulf Trust Federal Credit Union
What We Do
How does Gulf Trust Federal 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 Gulf Trust Federal Credit Union collect my personal information? We collect your personal information, for example, when you
  • Open account or deposit money
  • Apply for a loan or use your ATM card
  • Use debit card
We also collect your personal information for others, such as credit bureaus, affiliates, 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.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices apply to all joint account holders on the account.
Definitions
Affilliates 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.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other Important Information

We are committed to making available products and services that will enable you to meet your financial needs and reach your financial goals. Protecting your personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union. To ensure that you can rely upon the quality products and services we make available, our credit union stands behind the privacy policy required by Federal laws.