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FACTS: 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 Carolina Trust Federal Credit Union’s Privacy Policy.

At Carolina Trust Federal Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Carolina Trust Federal Credit Union. This notice explains what types of member information we collect and under what circumstances we may share it.

What?

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

  • Name, address, Social Security number, and income
  • Account balances and transaction history
  • Credit history and credit scores

When you are no longer our member, we will not share your information except as permitted or required by law 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 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 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

Yes

No

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

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. We also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you.

How does Carolina Trust Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

  • open an account or apply for a loan
  • apply for any credit union service
  • you visit our website, provide us information on any online application or transaction, or information you send to us by email.
  • use your credit or debit card or 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 information sharing as follows:

  • 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.

Definitions

Affiliates

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

  • Our affiliates include financial companies such as Carolina Trust Federal Investment and Insurance Services

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 non affiliates so they can market to you, except for our joint marketing arrangements.

Joint marketing

A formal agreement between Carolina Trust Federal Credit Union and a nonaffiliated financial company where we jointly market financial products or services to you.

  • Our joint marketing partners include financial service providers.

Questions?

Call (888) 448-2133 or 843-448-2133 or write to us at: Carolina Trust Federal Credit Union, PO Box 780004, Myrtle Beach, SC 29578-7804.

 CTFCU 347 Rev. 10/2010
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