WHAT DOES SWEET HOME 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
- Checking account information and employment information
- Mortgage rates and payments and payment history
When you are no longer our member, 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 SWEET HOME FEDERAL CREDIT UNION chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does SWEET HOME FEDERAL 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, and 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 | YES |
| 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 our affiliates to market to you | NO | We don’t share |
| For nonaffiliates to market to you | NO | We don’t share |
Questions?
Call (716) 691-9187 or (800) 963-9660 or go to sweethomefcu.org/
What we do
How does SWEET HOME 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 SWEET HOME FEDERAL CREDIT UNION collect my personal information?
We collect your personal information, for example, when you
- Open an account or seek financial advice or tac advice
- make a wire or apply for financing
- provide account information
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.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Sweet Home Federal Credit Union does not have any affiliates
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Sweet Home Federal Credit Union does not share with our nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Sweet Home Federal Credit Union joint marketing partners include CUNA Mutual Group (CMFG)/Trustage and National Income Life.