Privacy Policy  

Rev Nov 2014

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FACTS
WHAT DOES South Bend firefighters 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 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 members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons South Bend Firefighters Federal Credit Union chooses to share; and whether you can limit this sharing.

How?
All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons South Bend Firefighters Federal Credit Union chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information
Does South Bend Firefighters FCU 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
We don't share

For our affiliates’ everyday business purposes— information about your creditworthiness
No
We don't share

For our affiliates to market to you
No
We don't share

For nonaffiliates to market to you
No
We don't share

To limit our sharing
Call 574-287-6161—our menu will prompt you through your choice(s) Visit us online: sbfcu.org and use the contact us form or Mail the form 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 574-287-6161 or contact us via the contact form Here.





Who are we?

Who is providing this notice?
South Bend Firefighters FCU


What we do

How does South Bend Firefighters 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. We restrict access to nonpublic personal information about you to persons who need to know that personal information to provide products and services to you.

How does South Bend Firefighters FCU 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. [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 everyone on your account—unless you tell us otherwise.


Definitions

Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies. South Bend Firefighters FCU has no affiliates.

Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies. South Bend Firefighters FCU does not share with non-affiliates so they can market you.

Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Insurance companies and Other financial service providers