Privacy Policy Disclosure
Facts: WHAT DOES SRU 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 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 account balances
- Credit card or other debt and payment history
- Transaction history and wire transfer instructions
When you are no longer our member, we continue to share your information as described in this notice.
How?
All companies need to share customers’ personal information to run their everyday business – to process transactions, maintain customer accounts, and Report to credit bureaus. In the section below, we list the reasons financial companies can share their customers’ personal information, the reason SRU FCU chooses to share, and whether you can limit this sharing.
Reasons the credit union shares your personal information can be found in the first column. The second column contains whether or not the credit union shares your personal information. The last column contains whether or not the sharing can be limited.
| Reasons we can share your personal information: | Does SRU FCU share? | Can you limit my sharing? |
|---|
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, and report to credit bureaus | Yes | No |
For our marketing purposes –
to offer our products and services to you | No | We don’t share |
| For joint marketing with other financial companies | Yes | No |
For our affiliates’ everyday business purposes –
information about your transactions and experiences | No | We don’t share |
For our affiliates’ everyday business purposes –
information about your creditworthiness | No | We don’t share |
| For non-affiliates’ to market to you | No | We don’t share |
Questions?
Call (724) 794-6292 or visit www.srufcu.org
Questions on personal information can be found in the first column, followed by the answer in the next column.
| What we do |
|---|
| How does SRU FCU 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 SRU FCU collect my personal information? | We collect your personal information, for example, when you - Open and 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 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. |
|---|
Words can be found in the first column, followed by the word definition in the next column.
| Definitions |
|---|
| Affiliates | Companies related by common ownership or control. They can be financial and
nonfinancial companies. - SRU FCU has no affiliates
|
|---|
| Non affiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. - non-affiliates we share with can include insurance companies, government agencies, plastic card processors, consumer reporting agencies, data processors, and check/share draft printers.
|
|---|
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. - Our joint marketing partners include CUNA Mutual Group’s MemberConnect
|
|---|
Other important information
For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization.
For California Members. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Members. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization.
For Vermont Members. We will not share personal information with non-affiliates either for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your
creditworthiness without your authorization.