| FACTS: WHAT DOES SPIRIT FINANCIAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? |
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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
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 Spirit Financial Credit Union chooses to share, and whether You can limit this sharing.
| Reasons We can share Your personal information | Does the 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 reporting 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 non-affiliates to market to You | YES | YES |
To limit Our sharing
Call or text (267) 580-0230 and We will mail You a form to fill out.
Please note:
If You are a new member, We can begin sharing Your information 30 days from the date We sent this notice. When You are no longer Our member, 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 or text (267) 580-0230
| What We do |
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How does Spirit Financial 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 Spirit Financial Credit Union collect my personal information?
We collect Your personal information, for example, when You:
Open an account or make a wire transfer
Use Your credit or debit card or apply for a loan
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 non-affiliates 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 with someone else?
Your choices will apply to everyone on Your account.
| Definitions |
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Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
Spirit Financial Credit Union has no afiliates.
Non-Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
Non-affiliates We share with include insurance companies.
Joint Marketing
A formal agreement between non-affiliated financial companies that together market financial
products or services to You.
Our joint marketing partners include insurance companies.