What does The Southern Credit Union do with your personal information?
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.
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
Account transactions and checking account information
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 The Southern Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does The Southern 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 to report to credit bureaus
For our marketing purposes- to offer our products and services to you
For joint marketing with other financial companies
We don't share
For our affiliates’ everyday business purposes- information about your transactions and experiences
We don't share
For our affiliates’ everyday business purposes- information about your creditworthiness
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 customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
How does The Southern 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.
The Southern Credit Union regularly tests and assesses its information and security measures, systematically trains employees, and adopts upgrades and enhancements as necessary to protect your information.
How does The Southern Credit Unioncollect 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, 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 law 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 choice will apply to everyone on your account.
Companies related by common ownership or control. They can be financial and non-financial companies.
The Southern Credit Union has no affiliates.
Companies not related by common ownership or control. They can be financial and non-financial companies.
The Southern Credit Union does not share with our non-affiliates so they can market to you.
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
The Southern Credit Union doesn’t jointly market.
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