Privacy Policy

WHAT DOES ASPIRE CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Facts

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. The types of personal information we collect and share depend on the product or service you have with us. This information can include: 

(a) Personal Information You Provide to us.

• We may collect personal information from you, such as your first and last name, address, e-mail, User IDs, telephone number, employment information, and social security number when you open a new financial account or register for other financial services. Device images, videos, and contacts may be accessed when you deposit a check or use a QR code to make peer to peer payments using Zelle or other payments functionality. Device location may be accessed to detect and prevent card transaction fraud, deposit fraud, and to provide branch and ATM locations.

• We may collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.

• If you provide feedback or contact us via email, we will collect your name, email address, and any other content included in your email messages to us to send you a reply.

• We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.

(b) Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, to provide some of our Services.

(c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as:

• Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state, or geographic area.

• Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.

• Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
• Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect your location information when you use the Services; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

When you are no longer our member, we continue to share your information as described in this notice.

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 transaction or loss history
• Income and employment information
• Credit history and account balances

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 Aspire Credit Union chooses to share; and whether You can limit this sharing.

How does Aspire Credit Union share your information?

Reasons we can share your personal information	Does Aspire CU 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	No	We don't share
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 nonaffiliates to market to you	No	We don't share

Questions?

Call 1-800-569-9799 or go to https://aspirecu.org

Who we are

Who is providing this notice?

Aspire Credit Union
900 Pershing Ave. Lufkin, TX 75904

What we do

How does Aspire Credit Union protect my 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 Aspire Credit Union collect my personal information?

We collect your personal information, for example, when you

• open an account or apply for a loan
• make a wire transfer or file an insurance claim
• use your credit or debit card

We also collect your personal information from 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' everday 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.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfi nancial companies.

• Aspire Credit Union has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfi nancial companies.

• Non-affiliates we share with can include companies such as mortgage companies, insurance companies, direct marketing companies, and nonprofit organizations.

Joint marketing

A formal agreement between nonaffi liated financial companies that together market financial products or services to you.

• Our joint marketing partners include investment, insurance and financial services companies.

Other important information

Individuals are provided this notice upon application for membership and annually thereafter. Our Privacy Notice may also be obtained on our website.