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Privacy Policy

 


FACTS


WHAT DOES ST. CLOUD FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share 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 member, we continue to share information as described in this notice.

How?
All financial companies need to share member 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 that St. Cloud Federal Credit Union chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information
Does SFCCU 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

N/A

For our affiliates to market to you.

No

N/A

For our non-affiliates to market to you.

No

N/A


Questions?
Call 320.252.2634 or 1-888-252-2634 or go to www.stcloudfcu.coop
St. Cloud Federal Credit Union
St. Cloud and Sartell, Minnesota



What we do
How does St. Cloud Federal 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 St. Cloud Federal 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 for others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit 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.

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include Minnesota Item Processing Corporation’s item processing services, and CU Companies business lending services and mortgage services. Other services provided by CU Companies are title services, investment services, realty services, and auto resource services.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we share with can include data processors, insurance companies, government agencies, plastic card processors, statement mailers, mortgage service companies, consumer reporting agencies, check printers, collection companies, and IRA/HSA service providers.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include CUNA Mutual Group’s MEMBERCONNECT and The Member’s Group’s MasterCard.

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