|
|
Rev 0172272024 |
|
FACTS |
WHAT DOES COMMUNITY SPIRIT CREDIT UNION DO |
|
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 member’s’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member’s’ personal information; the reasons Community Spirit Credit Union chooses to share; and whether you can limit this sharing. |
|
Reasons we can share your personal information |
Does Community Spirit 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 |
No |
|
For our affiliates’ everyday business purposes— information about your creditworthiness |
No |
No |
|
For our affiliates to market to you |
No |
No |
|
For nonaffiliates to market to you |
No |
No |
|
To limit our sharing |
■ Call 812-537-0928—our menu will prompt you through your choice(s) ■ Visit us online: www.communityspiritcu.org ■ Mail the form below Please note: If you are a new customer, we can begin sharing your information [30] 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 812-537-0928 or go to www.communityspirit cu.org |
|
Who we are |
|
|
Who is providing this notice? |
COMMUNITY SPIRIT CREDIT UNION |
|
What we do |
|
|
How does Community Spirit CU 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 Community Spirit CU 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. |
|
What happens when I limit sharing for an account I hold jointly with someone else? |
Your choices will apply to everyone on your account. |
|
Definitions |
|
|
Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies. |
|
Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies. |
|
Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. |
|
Other Important Informatio |
|
|
Mobile Banking App The mobile banking app may collect personal information from you or your financial institution, such as your first and last name, address, e-mail, User IDs, telephone number, and social security number when you create an account and use. This information could include your address or contacts (e.g. to make P2P (peer to peer) payments using Zelle or other payments functionality). We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history. |
|