Privacy Policy
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:
- Name, address, 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 Ashland Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Ashland 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 companies | Yes | Yes |
| 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 our affiliates to market to you | No | We do not share |
| For nonaffiliates to market to you | No | We do not share |
To limit our sharing
- Call 800-245-8112
- Complete our online form
- Or email us at help@ashlandcu.org.
Please note: If you are a new member, we can begin sharing your information 30 days from the date you joined Ashland Credit Union. 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.
Questions Call 800-245-8112 or email help@ashlandcu.org
Make your opt-out election online
Who we are
Who is providing this notice? Ashland Credit Union
What we do
How does Ashland 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, secured files and buildings, procedural safeguards and safe record storage. We will continue to review and modify our security controls in the future to deal with changes in products, services, and technology.
How does Ashland Credit Union collect my personal information?
We collect your personal information, for example, when you:
- open an account
- apply for a loan
- use your credit or debit card
- pay your bills
- make deposits to or withdrawals from your accounts
We also collect your personal information from others, including credit bureaus or other companies.
Why can't I limit all sharing? Federal law only gives you the right to limit:
- 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 will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
Ashland Credit Union has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Ashland Credit Union does not share with non-affiliates so that 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 marketing partners include:
Insurance companies and travel agencies
Other important information
A mail-in request concerning your information may be sent to: Ashland Credit Union, PO Box 391, Ashland, KY 41105
Internet Privacy
Thank you for visiting the Ashland Credit Union informational website. Confidentiality and respect for member privacy are two of the highest priorities at Ashland Credit Union (ACU). Because we are committed to protecting your privacy, we will not obtain personally identifying information about when you visit our site, unless you choose to provide such information to us, such as what you provide to us in online forms or applications. The information we receive will depend on the activities you perform while accessing our site.
You may decide to send us personally identifying information, for example your mailing address, in an electronic mail message (email) requesting that information be mailed to you. Information collected in this manner is used solely for responding to your requests.
Your name and address will not be sold to any mailing lists or provided to any merchants. We are in the business of providing the best financial products and services to our members and not marketing those lists to others. Any information disclosed to ACU in the normal course of business will be held in strict confidence. We will disclose member information in order to comply with law, government agency, or court orders; if you give us permission to do so, or as provided in other disclosures and agreements applicable to your transaction or account.
This website may contain links to other websites on the Internet (the "External Sites"). ACU has no control over and is not responsible or liable for the External Sites, including but not limited to the content and privacy and data collection practices, even if the External Site is affiliated with ACU. The External Sites are only for your convenience and therefore you access them at your own risk. Links do not imply that ACU sponsors, endorses, is affiliated with or associated with, or has been legally authorized to use any trademark, trade name, service mark, design, logo, symbol or other copyrighted materials displayed on or accessible through such External Sites. Before you frame or create any kind of hyperlink to this website, you must obtain the prior written permission of ACU.
Our software uses cookies to collect and store only the information about your visit to our web site, which includes:
- The Internet domain and IP address (the number automatically assigned to your computer while on the web) from which you access our website.
- The date and time you access our site.
- The pages you visit and the result of the request.
A cookie is a small data file that certain web sites place on your hard drive when you visit them. A cookie file can contain information such as a user ID that the site uses to track the pages that you've visited. The only personal information our cookie can contain is information you supply yourself. Our cookie can't read data off your hard disk or read cookie files created by other sites. We use cookies to help us evaluate the usefulness and reading habits of our web site visitors.
If you prefer not to receive our cookies, you can set your browser to warn you when placement of our cookie is requested and decide whether or not to accept it. You can also refuse our cookies by adjusting your browser. For more information, please refer to the "Help" documentation for your Internet browser.
Our mobile banking app periodically collects, transmits, and uses geolocation information to support features that prevent fraudulent card use and alerts, but only if you expressly authorize collection of such information. You may choose whether geolocation information can be monitored on a continuous basis in the background, only while the app is being used, or not at all. You can change your location permissions at any time in your device settings.
For site security, we employ software programs to monitor network traffic to identify unauthorized attempts to upload or change information or otherwise cause damage to our system. ANY UNAUTHORIZED ATTEMPT TO CHANGE INFORMATION ON THIS WEB SITE IS STRICTLY PROHIBITED BY LAW AND IS SUBJECT TO PROSECUTION UNDER THE COMPUTER FRAUD AND ABUSE ACT OF 1986, 18 USC §§ 1001 AND 1030.