Privacy Policy

Rev 2022

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FACTS

WHAT DOES ST. MARY'S 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 balance and payment history
  • Credit history and credit scores

When you are no longer a 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 St. Mary's Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does St. Mary's 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 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

No

We don't share

For our affiliates' everyday business purposes -

information about your creditworthiness

No

We don't share

For nonaffiliates to market to you

No

We don't share

 

 

Questions?

Call toll-free (866) 585-7628 or go to www.bankatsmcu.com or email [email protected] 

 

What We Do

How does St. Mary's 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.

We also maintain other physical, electronic and procedural safeguards to protect this information and limit employee access as appropriate.

How does St. Mary's Credit Union collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Make deposits or withdrawals from your account
  • Pay your bills
  • Use your credit or debit card
  • Give us your contact information

We also collect your personal information from others, such as credit bureaus.

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.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non- financial companies.

  • St. Mary's Credit Union has no affiliates.

Nonaffiliates

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

  • St. Mary's Credit Union does not share with 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.

  • Our joint marketing partners include companies such as Elan Financial Services, TruStage Insurance and Kasasa.

 

Other Important Information

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protection and limit the use of information we provide. We do not permit these companies to sell or further share the information we provide to other third parties.

For Massachusetts Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

St. Mary's Credit Union is serious about protecting our member's confidential information and about providing information to our members and consumers regarding how information is utilized by us. In order to offer a better website experience, St. Mary's Credit Union utilizes Google services to collect information about the use of our website (see Google Analytics https://policies.google.com/technologies/partner-sites). Google Analytics is a tool which collects information such as how often users visit our website, what pages were viewed on our website and other sites that were visited prior to coming to our website. Google Analytics only collects the IP address of the user instead of their name or other identifying information. This collection of log information and visitor use of the website aids us in determining how best to serve our community and members. In order to gather this information Google analytics places a cookie on your computer when you visit our website. This cookie is unique to you as a web user and this will "identify" you to google the next time you visit our website. To learn more about how Google analytics restricts the use of the information that they collect you can go to the Terms of Use and the Privacy Policy of Google Analytics at Google Analytics Terms of Use (https://www.google.com/analytics/terms/us.html) and Google Privacy Policy at (https://www.google.com/ policies/privacy/). You can prevent Google Analytics from recognizing you when you come to our website by disabling cookies on your browser. (https://www.usa.gov/optout-instructions). However, if you disable cookies, our website and other services may not work or work as well as they should. We do not guarantee your ability to utilize our website or online services if you disable cookies.