Privacy Statement

Altier CU, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs. We are equally committed to protecting the privacy of our members. We are required by law to give you this privacy notice. It describes our credit union's privacy policy concerning how we collect, use and safeguard your personal financial information. If you have any questions, please contact a Member Service Representative at 602-797-3000.

Disclosure Of Information To Parties That Provide Services To Us

In order for us to conduct the business of the credit union, we may disclose information we collect about you, except credit bureau and credit application information, to companies that perform marketing or other services on our behalf or for other financial institutions with whom we have joint marketing agreements so that we may provide competitive products and services.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.

Information We Collect About You

We collect nonpublic personal information about you from the following sources:

• Information we receive from applications and other forms.
• Information about your transactions with us.
• Information we receive from a consumer-reporting agency.
• Verifications of information you provide on applications and other forms. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.

We may disclose all of the information we collect, as described above, as permitted by law. If you terminate your membership with Altier CU, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Regarding Use of Third Party Account Aggregators

Some of our deposit account and loan members are using the services of third parties to obtain information on their Altier CU deposit accounts and loans. This disclosure concerns your use of these third party companies and your liability in connection with their activities on your accounts and loans.

These companies, often referred to as "account aggregators," are not affiliated with Altier CU. If you choose to use the services of an account aggregator, you assume all risks inherent in disclosing your passwords or personal identification numbers (PINS) to a third party. You agree that any person or company to whom you provide your password or PIN has authority to access your accounts and we will continue to recognize such authority until you revoke such authority to us in writing. Altier CU has no responsibility for any use or misuse of your account data by any third party to whom you have provided your account information, passwords or PINS. Therefore, you understand you are liable for all transactions conducted by the account aggregator on your behalf or with the use of your personal passwords or PINS. In addition, Altier CU cannot ensure the accuracy of information provided to you by a third party aggregator, and Altier CU cannot guarantee the ability of the third party to perform any type of banking transaction on your behalf, including, but not limited to, verification of credits and debits, transfers of funds, and bill payment. If you experience any problems with a third party account aggregator to whom you provided your account information, you will have to resolve the problem directly with that third party. Altier CU cannot accept responsibility for any loses, damages, or fees assessed by another company or institution caused by the involvement of a third party account aggregator.