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FACTS – What does SCA Federal 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.

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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 overdraft history

• Credit scores and employment information

• Payment history and wire transfer instructions

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 SCA Federal Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information                    Shared
          Can you limit sharing

 

For our everyday business purposes                                             Yes           No

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                                                            Yes           No

To offer our products and services to you

 

For joint marketing with other financial companies               Yes           No

 

What we do

 

How does SCA 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 SCA Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

• Open an account or show your government-issued ID

• Apply for financing or give us your contact information

• Show us your driver’s license

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 law 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.

• SCA Federal Credit Union has no affiliates

 

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

 

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include insurance companies

 

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For our affiliates’ everyday business purposes                            No We do not share information about your transactions and experiences

 

For our affiliates’ everyday business purposes                            No We do not share information about your creditworthiness

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For nonaffiliates to market to you                                                  No We do not share

 

Questions? Call 724.658.2686 or go to www.shenangochinafcu.com