Privacy Policy

What does National Consumer Telecom & Utilities Exchange, Inc. (NCTUE) 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 card information

■ Payment history and transaction history

■ Credit scores and credit history

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 NCTUE chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does NCTUE 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

For our marketing purposes—

to offer our products and services to you

NOT SHARED

For joint marketing with other ﬁnancial companies

NOT SHARED

For our afﬁliates’ everyday business purposes—

information about your transactions and experiences

NOT SHARED

For our afﬁliates’ everyday business purposes—

information about your creditworthiness

NOT SHARED

For our afﬁliates to market to you

NOT SHARED

For nonafﬁliates to market to you

NOT SHARED

Questions?

■ Visit us online: https://nctue.com/consumer/

■ Call 1-866-349-5185 from 8:00 a.m. – 11:00 p.m. Monday through Friday (Eastern Time) – our menu will prompt you through your choice(s)

Who We Are
Who is providing this notice?		National Consumer Telecom & Utilities Exchange, Inc.
What we do
How does Equifax Consumer Services 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 and secured files and buildings.
How does National Consumer Telecom & Utilities Exchange, Inc. collect my personal information?	We collect your personal information, for example, when you ■ open an account or provide account information ■ submit a request to us ■ 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 non-afﬁliates 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.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to you alone unless you tell us otherwise.
Deﬁnitions
Afﬁliates	Companies related by common ownership or control. They can be ﬁnancial and nonﬁnancial companies. ■ National Consumer Telecom & Utilities Exchange, Inc. does not share your personal information with any affiliate for everyday business purposes or for marketing purposes.
Nonafﬁliates	Companies not related by common ownership or control. They can be ﬁnancial and nonﬁnancial companies. ■ National Consumer Telecom & Utilities Exchange, Inc. does not share your personal information with any nonaffiliates for marketing purposes.
Joint marketing	A formal agreement between nonafﬁliated ﬁnancial companies that together market ﬁnancial products or services to you. ■ National Consumer Telecom & Utilities Exchange, Inc. does not jointly market financial products or services.
Other important information
California: If your account has a California billing address, we will not share your personal information except to the extent permitted under California law. Vermont: If your account has a Vermont billing address, we will automatically treat your account as if you have directed us not to share information about your creditworthiness with our affiliates.

PRIVACY POLICY

It is the NCTUE’s policy to respect and protect the privacy of our visitors. This policy statement tells you how we collect personal data from you solely as a result of your use of this website and how that information is used and kept. Using the Internet should be a safe and enjoyable experience, and we take every precaution to make it so.

Users can visit our website without revealing any personal data. If one chooses to provide personal data while on our website for the purposes of correspondence or processing a request, this information may be used according to the terms below.

If users tell us that they do not wish to have this information used as a basis for further contact, we will respect those wishes, except where further communication may be required to fulfill your requests you submit through this website or as otherwise may be required by applicable laws.

NCTUE recognizes the importance of protecting any information we may collect from visitors to our website. Our policy is to keep this collected information for internal purposes only and for a very limited time, subject to legal obligations, and we maintain fitting security measures to keep this information private and secure. This information is not disclosed to third parties for commercial purposes, as the NCTUE is committed to protecting our visitors’ privacy.

NCTUE may engage one or more vendors to help maintain and operate its website. This Privacy Policy applies equally to any NCTUE vendors acting in such capacities.

Personal Data Collected

NCTUE may collect the following categories of personal data from you, depending on your interaction with our website:

Name and contact information. Your first and last name, email address, postal address, phone number, and other similar contact information.

Identifiers. Government-issued identifiers, such as a social security number, individual taxpayer identification number, passport number, or driver’s license number, and other state-issued identification numbers, as well as other unique identifiers such as those associated with your device.

Demographic information. Information about you such as your age, gender, country of origin, and preferred language.

Service Account information. Information about your financial and service accounts from NCTUE Member companies, such as outstanding balances and bill payment history. In some cases this includes corresponding account numbers. This information is generally collected in our capacity as a credit reporting agency under the Fair Credit Reporting Act (“FCRA”), and, in those instances, our collection, use, and sharing of this information is regulated by the FCRA.

Device and Website Usage information. Information about the devices you use to access our website, such as browser, operating system type, device ID, and IP address. Your IP address may be used to identify the general geographic location of your device. We also collect information about how you interact with our website. We only use this information to prevent and detect fraud and for authentication purposes.

Support information. Information you provide when you contact NCTUE for support, such as the content of your communications with NCTUE, and the services related to your inquiry. When you contact us, such as for customer support, phone conversations or chat sessions with our representatives may be monitored and recorded.

Photos. For authentication purposes, in some circumstances we may request copies of your photo identification.

Sources of Personal Data

We collect personal data from the following sources:

Directly from you. We collect personal data through our interactions with you, such as when you contact customer support. We also collect personal data from you through our services, such as when you register to create an account. Some of this information is collected about your interactions, use, and experience with our services and communications.

Devices and browsers. We collect personal data through browsers and devices that interact with our website solely for the purposes of fraud prevention and detection and authentication.

How We Use Personal Data

We may use and process the personal data we collect for one or more of the following purposes:

Service delivery.To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal data in order to dispute information in your consumer report, we may use the information to update your consumer report.
To provide you with email or SMS alerts and other notices concerning our products or services, or events or news, that may be of interest to you.
Legal obligations.To carry out our obligations under the FCRA and related state laws.
User Experience.To improve our websites and present their contents to you.
For testing, research, analysis and product development.
To detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
For authentication purposes when you access our products or services and to help you recover forgotten passwords.

Sharing Personal Data

We sometimes share personal data with third parties to carry out the above purposes, including our Member Companies. We may also share your personal data with third parties to whom you consent to us disclosing your personal data. The categories of third parties we may share your personal data with include:

NCTUE Members and financial institutions (such as lenders and insurers) and identified on your NCTUE data file
Internet service providers
Operating systems and platforms

We also share personal data for the following reasons:

Disclosure for legal reasons or as necessary to protect NCTUE, its vendors and others. We may release personal data to third parties: (1) to comply with valid legal requirements such as a law, regulation, search warrant, subpoena, court order, or other legal process; (2) in special cases, such as a physical threat to you or others, a threat to homeland security, a threat to our system or network; or (3) cases in which we believe it is reasonably necessary to investigate or prevent harm, fraud, abuse, or illegal conduct.

In cases where we have data that cannot be reasonably linked to, or used to infer information about you (i.e., de-identified data), we are committed to maintaining and using the information in a de-identified form and not attempting to re-identify the information, except in an effort to confirm the efficacy of the de-identification process.

Choices and Control over your Information

In general, choices concerning our collection, use and disclosure of information are limited to those provided by law, including the FCRA and Gramm-Leach-Bliley Act (GLBA). Beyond those choices, individuals may elect to not provide information directly to us. However, in many cases this will limit our ability to provide services.

Security

We are committed to protecting the security of your personal data and use a variety of security technologies and procedures to help protect your personal data from unauthorized access, use, or disclosure. However, no data transmission or storage can be guaranteed to be 100% secure. As a result, while we strive to protect the personal data we maintain, we cannot ensure or warrant the security of any information that you transmit to us. NCTUE complies with applicable data protection laws, including security breach notification laws.

Changes to this Privacy Policy

We may change this online privacy statement in the future. If we make changes to this privacy statement we will post the revised privacy statement and its effective date on this website.

Contact Us

If you have questions or comments about this privacy statement, please submit an inquiry by calling 1-866-349-5185 during the standard hours of 8am-11pm M-F (Eastern Time) or write to the Exchange Service Center, P.O. Box 105161, Atlanta, GA, 30348-5398. Please reference “NCTUE Privacy Statement,” when contacting us about this privacy statement.