Privacy Policy | WinSouth | Gadsden, Albertville, Fort Payne - AL

FACTS	WHAT DOES WINSOUTH 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 income Account balances and payment history Credit history and credit scores 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 customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons WinSouth Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does WinSouth 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	No
For our affiliates’ everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For non-affiliates to market to you	No	We don’t share

To limit our sharing	Call 256-543-7302 Please Note: If you are a new customer, we can begin sharing your information seven days from the date we sent this notice. When you are no longer our customer, 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 256-543-7302 or go to www.winsouthcu.com

What We Do
How does WinSouth 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 WinSouth Credit Union collect my personal information?	We collect your personal information, for example, when you Open an account or deposit money Pay your bills or apply for a loan 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’ 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. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies such as: WinSouth Financial Services
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. WinSouth Credit Union does not share with 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. TruStage
Cookie Policy	Please click here to see our cookie policy
Location Data	Location Data is collected to provide location-based messages, offers, and interactions. WinSouth Credit Union's mobile app collects location data to enable push notifications even when the app is closed or not in use. It also is used to support promotional offers from WinSouth. If you use any location-based feature of WinSouth's mobile app, you agree that your geographic location and other personal information may be accessed and disclosed through WinSouth. If you wish to revoke access to such information, you must cease using location-based features of WinSouth's mobile app via your device's settings. You may choose whether location data 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. Please read this notice carefully to understand how we handle user privacy.
SMS Communications	At WinSouth Credit Union, your privacy is important to us. This disclosure explains how we collect, use, and protect your personal information when you opt in to receive SMS (text) messages from us. 1. What Personal Information We Collect When you opt in to receive SMS messages, we may collect the following information: Your mobile phone number Your name (if provided during opt-in) Message content you send to us (e.g., responses to prompts) Interaction data (such as whether messages are delivered and read) 2. How Your Personal Information Is Used We use the information collected to: Send you account alerts, transaction updates, and important service notifications Provide fraud alerts and security verifications Send promotional messages (only if you have opted in for marketing) Improve communication and member service 3. Who Your Personal Information Is Shared With We do not sell, rent, or share your SMS opt-in information (including your phone number) with third parties or affiliates for marketing purposes.We may share information with: Trusted service providers who help us deliver SMS services (e.g., SMS gateway providers), but only for the purpose of sending messages on our behalf Law enforcement or regulatory agencies if required by law 4. Your Consent and Your Choices By providing your mobile number and opting in, you consent to receive SMS messages from WinSouth Credit Union. We do not share your SMS consent or mobile number with third parties or affiliates for their own marketing or promotional purposes.You can opt out of SMS communications at any time by replying "STOP" to any message, or by contacting us directly.