Annual Privacy Notice

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.
  • Share draft account information 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 Spojnia Credit Union chooses to share, and whether you can limit this sharing.
Reasons we can share your personal informationDoes Spojnia 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
NoWe don’t share
For joint marketing with other financial companiesNoWe don’t share
For our affiliates’ everyday business purposes –
Information about your transactions and experiences
NoWe don’t share
For our affiliates’ everyday business purposes –
Information about your creditworthiness
NoWe don’t share
For non-affiliates to market to youNoWe don’t share
Questions?Call toll-free 1-800-724-6352
What we do
How does Spojnia 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 to those employees for whom access is appropriate.
How does Spojnia Credit Unio collect my personal information?We collect your personal information, for example, when you

  • Open an account or apply for a loan.
  • Make a wire transfer or file an insurance claim.
  • Make deposits or withdrawals from your account.

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 non-affiliates to market to you.

State law and individual companies may give you additional rights to limit

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

  • Spojnia Credit Union has no affiliates.
Non-affiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Non-affiliates we share with can include insurance companies, government agencies, consumer reporting agencies, data processors, and check/share draft printers.

Spojnia Credit Union does not share with non-affiliates.

Joint MarketingA formal agreement between non-affiliated financial companies that together market financial products or services to you.
Spojnia Credit Union does not have joint marketing partners.

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