Universal Account Servicing Privacy Policy

UGA Disclosure

PRIVACY POLICY

Rev. June 27, 2024
FACTS What does Universal Account Servicing, LLC 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 customer's personal information; the reasons Universal Account Servicing, LLC choose to share; and whether you can limit this sharing.

Reasons we can share your personal information: Do Universal Account Servicing, LLC 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 		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

Questions? Call 1 (888) 233 - 2302

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Who We Are
Who is providing this notice? Universal Account Servicing, LLC.
What We Do
How does Universal Account Servicing, LLC 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, secured files, and secured buildings.
How does Universal Account Servicing, LLC collect my personal information? We collect your personal information, for example, when you
  • Apply for credit, or open an account
  • Use your credit or debit card, or pay us by check
  • 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 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 service companies, such as sales finance and debt collection companies.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates include the retail seller providing your product/service and financial services companies, such as sales finance and debt collection companies.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partner(s) include nonaffiliated financial companies that we may partner with to jointly market financial products or services to you.

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Other important information
Changes to this notice: We may modify this Privacy Notice from time to time. When we make material changes to this Notice we will post a link to the revised Notice on the homepage of our site. You can tell when this Notice was last updated by looking at the date at the top of the Notice. Any changes to our Notice will become effective upon posting of the revised Notice on the site. Use of the site, any of our products and services, and/or providing consent to the updated Notice following such changes constitutes your acceptance of the revised Notice then in effect.
Please note: When you are no longer our customer, we continue to share your information as described in this notice. Important information about phone calls, texts, prerecorded and email messages: If, at any time, you provide to us, our affiliates or designees contact numbers that are wireless telephone number(s) including, but not limited to, cell or VoIP numbers, you are consenting to us using an automated dialing system to call or text you, or to send prerecorded messages to you, in order to service, and collect on, any personal account(s) and business account(s) for which you are an authorized signer, guarantor or designated contact person, but not to market to you. For any type of phone calls with us, you consent that the call may be monitored or recorded for quality control and training purposes. By providing your email address, you consent to receive electronic mail from us.
Questions? Call 1-888-233-2302
PCI DSS Disclosure: We maintain all applicable PCI DSS requirements to the extent the service provider possesses or otherwise stores, processes, or transmits cardholder data on behalf of the customer, or to the extent that they could impact the security of the customer’s cardholder data environment.
Vermont Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will not share information about your creditworthiness with our affiliates except with your authorization.
California & Nevada Residents We will not share information we collect about you with nonaffiliated third parties, except as permitted by the laws of your State, such as to process your transactions or to maintain your account. In addition, we will not sell your information to third parties.
Texas Residents For questions or complaints regarding our use of your information, contact Universal Account Servicing, LLC at (888) 233-2302; 603 East St., Ste. 301, Parkville, MO 64152. Universal Account Servicing, LLC is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting Universal Account Servicing, LLC, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumer.complaints@occc.texas.gov.
For our everyday business purposes, we may share your personal information with the merchants and service providers where you use your Account and their related companies. You cannot limit this sharing.

Pathward Privacy Policy
Unsecured personal loans are offered by Pathward®, National Association. Universal Account Servicing, LLC (UAS) is the third-party billing service provider for the UGA Finance Program, which provides certain account servicing functions for the bank.

Rev. 06/22
FACTS WHAT DOES PATHWARD FINANCIAL, INC. AND PATHWARD, NATIONAL ASSOCIATION 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 transaction history
  • Credit history and assets
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 Pathward Financial, Inc. and Pathward, National Association choose to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Pathward 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 		No We do not share
For our affiliates’ everyday business purposes—
information about your creditworthiness 		No We do not share
For our affiliates to market to you No We do not share
For nonaffiliates to market to you No We do not share
Questions? Call 833-898-0023 or go to www.pathwardprivacypolicy.com.

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Who we are
Who is providing this notice? Pathward Financial, Inc., and Pathward, National Association (together, "Pathward").
What we do
How does Pathward 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 maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate
How does Pathward collect my personal information? We collect your personal information, for example, when you
  • Open an account or apply for a loan
  • Make deposits or withdrawals from your account or provide account information
  • Make a wire transfer
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.
  • Pathward does not share with affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Pathward 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.
  • Our joint marketing partner(s) include nonaffiliated financial companies that we may partner with to jointly market financial products or services to you.

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Other important information
For California and Vermont Residents: We will not share personal information we collect about you with affiliated and nonaffiliated third parties, except as permitted by law, including, for example, for our own marketing purposes, our everyday business purposes, or with your consent.
For Vermont Residents: We will not share your credit information or information about your creditworthiness, transactions, or experience, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
For Nevada Residents: We are providing you this notice under state law. You may be placed on our internal Do Not Call List by contacting the Privacy Department and requesting an Opt Out of Marketing. If you would like more information about our telemarketing practices and the Nevada Law, you may contact us at Pathward, N.A., Attn: Privacy Department, 5501 S. Broadband Lane, Sioux Falls, South Dakota 57108, and phone number: 833-898-0023. For more information on this law, you may contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; phone number: 702.486.3132; email: aginfo@ag.nv.gov.

July 12, 2022

Notice of Collection of Personal Information

Under the California Consumer Privacy Act ("CCPA"), as a California resident ("you" or "your"), you have the right to know the categories of personal information that Pathward Financial, Inc. and Pathward, National Association (collectively, "Pathward Entities") ("we" or "us") collects about consumers. You also have the right to know the business or commercial purposes for which we collect this personal information.

Note that the CCPA does not apply to certain Personal Information we collect such as Personal Information collected from business consumers or Personal Information collected under other financial information privacy laws such as the federal Gramm-Leach-Bliley Act and the federal Fair Credit Reporting Act. For more information, please visit www.pathwardprivacypolicy.com to view our Gramm-Leach-Bliley Act privacy notice.

We collect the following categories of Personal Information about consumers:

  • Direct Identifiers. This may include your name, alias, postal address, unique personal identifier, online identifier, email address, account name, or other similar identifiers.
  • Identity Verification Information. This may include you Social Security Number, driver's license number, passport number, or similar government identifiers, driver's license and other government identification documents (which may contain document numbers, birth date, gender and photo).
  • Financial Information. Payment or banking information including credit card number, name on credit card, expiration date, security code and billing address, and information required for financing purchases, such as social security number, name and contact information.
  • Health-Related Information. This may include information about a health condition or medical history as part of your use of the Services, including health insurance information.
  • Characteristics of Protected Classification under California or Federal Law. This may include age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, or genetic information (including familial genetic information).
  • Commercial information. This may include records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
  • Internet or other similar network activity. This may include browsing history, search history, or information on a consumer's interaction with a website, application, or advertisement, such as your clicks and how long you are using our website.
  • Geolocation data. This may include physical location or movements.
  • Professional or employment-related information. This may include current or past job history or performance evaluations.

We may collect your Personal Information for the following legitimate business or commercial purposes:

  • Account Services: We collect a small segment of identifiers from visitors who submit inquiries and provide that information. That information is used to answer inquiries. More extensive consumer information would be collected from inquiries for financing. In addition, we may collect Personal Information to: (1) establish, maintain, support, and service an account you may have opened with us and for which you provided the information or that you may have applied for or established with us; (2) provide services, products, or information you may have requested from us; and (3) perform services such as maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, or providing similar services on our own behalf or on our service provider's behalf.
  • Advertising and Marketing Services: To offer new financial products and services to you in the future.
  • Security and Fraud Detection: To detect security incidents and protect against malicious, deceptive, fraudulent, or illegal activity.
  • Improvement of Products and Services: To enhance the quality of our products and services.
  • Internal Research: To researcher for technological development and demonstration.
  • To Comply with our Legal Obligations.
  • Audits: To perform audits, including reviewing past and current interactions with you and related transactions.
  • As part of a Merger/Acquisition/Bankruptcy or Other Transaction.
  • For Other Business or Commercial Purposes, as permitted by law.

If we intend to collect additional categories of Personal Information not disclosed above, we will provide you with a new notice at collection.

Note that we do not sell your Personal Information and we do not collect the Personal Information of minors under the age of 16.

If you have any questions, please visit our California Privacy Statement located at https://www.pathwardprivacypolicy.com or contact us at:

Phone: 833-898-0023
Mail: Privacy Department, 5501 S. Broadband Lane, Sioux Falls, South Dakota 57108


Alabama Credit Union Privacy Policy


FACTS WHAT DOES ALABAMA 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 account history
  • Account transactions and checking account information
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 Alabama Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Alabama 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 		No We do not share
For our affiliates’ everyday business purposes—
information about your creditworthiness 		No We do not share
For our affiliates to market to you No We do not share
For nonaffiliates to market to you No We do not share
Questions? Call our Member Care Center at (888) 817-2002, visit www.AlabamaCU.com, email to us at Privacy@AlabamaCU.com, or write to us at P. O. Box 862998, Tuscaloosa, AL 35486.

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Who we are
Who is providing this notice? Alabama Credit Union, Alabama CU Services, Inc., Alabama Credit Union Insurance Services, and CU Outdoors Capital, LLC.
What we do
How does Alabama 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 Alabama Credit Union collect my personal information? We collect your personal information, for example, when you
  • Use the mobile app
  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your debit or credit card
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.
  • Alabama CU Services, Inc.
  • Alabama Credit Union Insurance Services.
  • CU Outdoors Capital, LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Alabama 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.
  • Our joint marketing partners include investment, insurance, and other financial services companies.

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Other important information
Online Access: We may collect personal information when you enter data into an application for new products or services or when you use our websites, products, or services. Personal information may include your name, access number, other credentials, home or other physical address, Social Security number, the contents of your communications with us, telephone number, and email address. Additionally, we may collect certain electronic data, such as your geolocation, IP address, keystrokes, website interactions, and device identifier.
Mobile Application: Before proceeding, please take a moment to read and understand what personal information the mobile banking app (ACU mBranch) might collect under certain circumstances and how this information is used.

Why do we request access to personal information?

The application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account. It is important for you to understand that before granting access to this information you will be prompted to give the application that permission. If you do not wish to grant that permission, you may decline. If you later change your mind, those permissions can be updated in your device’s settings.

Some possible examples of information your app may request access to are:

  • Location: Your location is used to prevent fraudulent activity and to display locations near you.
  • Contacts: Allowing access lets you add contacts to use with features that allow you to send money via your mobile app. We will only add the contacts you choose, and that information will not be shared.
  • Camera: This app uses your camera to capture check images, take pictures of receipts, scan ID, scan authorized QR codes and to conduct video chat.

Effective March 9, 2023

Gulf Atlantic Bank Privacy Policy

Rev. 04/2
FACTS WHAT DOES GULF ATLANTIC BANK 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 credit history
  • Account balances and payment history
  • checking account information and transaction or loss history
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 Gulf Atlantic Bank to choose share; and whether you can limit this sharing.
Reasons we can share your personal information Does Gulf Atlantic Bank 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 do not share
For our affiliates’ everyday business purposes—
information about your transactions and experiences 		No We do not share
For our affiliates’ everyday business purposes—
information about your creditworthiness 		No We do not share
For our affiliates to market to you No We do not share
For nonaffiliates to market to you No We do not share
Questions? Call 305-394-5100 or go to www.gulfatlanticbank.com.

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Who we are
Who is providing this notice? Gulf Atlantic Bank
What we do
How does Gulf Atlantic Bank 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 Gulf Atlantic Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account or apply for financing
  • show your driver's license or give us your contact information
  • make deposits or withdrawals from your account
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.
  • Gulf Atlantic Bank has no affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Gulf Atlantic Bank 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.
  • Gulf Atlantic Bank doesn't jointly market.

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Other important information
For California and Vermont Residents: We will not share personal information we collect about you with affiliated and nonaffiliated third parties, except as permitted by law, including, for example, for our own marketing purposes, our everyday business purposes, or with your consent.
For Vermont Residents: We will not share your credit information or information about your creditworthiness, transactions, or experience, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
For Nevada Residents: We are providing you this notice under state law. You may be placed on our internal Do Not Call List by contacting the Privacy Department and requesting an Opt Out of Marketing. If you would like more information about our telemarketing practices and the Nevada Law, you may contact us at Gulf Atlantic Bank 2222 N Roosevelt Blvd., Key West, FL 33040 or call (305) 394-5100. For more information on this law, you may contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; phone number: 702.486.3132; email: aginfo@ag.nv.gov.