WHAT DOES CAROLINA 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 account balances
- credit history and credit scores
- income and payment history
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 Carolina Trust Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Carolina 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 to 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
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 nonaffiliates to market to you
No
We don’t share
To limit our sharing
- Call 843-448-2133 – our menu will prompt you through your choice(s) or
- Visit us online: carolinatrust.org
Please note:
If you are a new member, we can begin sharing your information 30 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.
Questions?
Call 843-448-2133 or go to carolinatrust.org
What we do
How does Carolina 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 Carolina Trust Federal Credit Union collect my personal information?
We collect your personal information, for example, when you
- open an account or use your credit or debit card
- show your government-issued ID or apply for financing
- give us your contact information
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’ everyday business purposes – information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State law 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 – unless you tell us otherwise.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Carolina Trust Federal Credit Union has no affiliates.
Non affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Carolina Trust Federal Credit Union does not share with our nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include advertising/marketing agencies, credit card companies, loan recapture programs and insurance companies.
*Carolina Trust Federal Credit Union collects images of checks on our mobile and desktop application to enable you to deposit funds remotely. We only use the images to process deposit and display the image in your transaction history. We do not share these images. Images in our mobile application are uploaded at the users discretion for purposes of personalization and only used by the end user.
