Privacy Policy
STAR Community Credit Union's Privacy Disclosure
IMPORTANT: Please read disclosure information below. If you choose to opt out, please print and complete the Opt Out Notice and return it to us.
What This Disclosure Covers
We, our and us, when used in this notice, mean S.T.A.R. Community Credit Union.
This is our Privacy notice for our members. When we use the words “you” and “your” we mean the following types of members:
- Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):
- All IRA accounts for which we act as custodian
- Former members
We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.
We will tell you the sources of the information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and you options.
We First Define Some Terms
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.
An affiliate is a company we own or control.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party or simply, an “other party”
Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.
Sources and Categories of Information We Collect
We collect information about you so that we can provide the products and services you request, develop new products and services, inform you about other products and services you may be interested in, and comply with legal and regulatory requirements. Examples of sources and types of information we collect include the following:
- From your applications for our services or other communications you have with us, we obtain information such as your name, address, Social Security Number, assets, income, other debt, and financial transactions.
- From our own records, we obtain information about your transactions and account experiences with us, such as account balances, payment history, parties to your transactions, and credit card use patterns.
- From consumer reporting agencies, we obtain information about your financial history with third parties.
- From third parties such as employers and other creditors, we verify information that you supply on your applications for our services.
- We verify information for third parties involved in transactions on your Credit Union accounts, such as merchants calling to verify checks that you write.
Categories of Information We May Disclose About You
We may disclose any type of information we have about you to third parties to meet our reasonable business needs and to conduct your transactions.
Please be aware that S.T.A.R. Community Credit Union does not sell, share, trade or rent names or other information about our Members to third-party marketers.
Categories of Nonaffiliated Third Parties to Whom We Release Information to Conduct Our Business and as Required or Allowed by Law
We disclose information to non-affiliated third parties as necessary to conduct our business, to conduct your transactions, and as required or allowed by law. Examples include, but are not limited to:
- Our state and federal regulators
- Our attorneys, accountants and other advisors
- Consumer reporting agencies
- Third parties involved in your Credit Union transactions, such as merchants or other financial institutions
- Third parties who make lawful information requests on your account, such as child support data matching programs
We will disclose any information we have about you to these parties as it is necessary to conduct our business, complete our transactions, or is required or permitted by law.
Other Nonaffiliated Third Parties to Whom We Release Information: Service Providers
We disclose information to third parties with which we have agreements to help us provide our products or services to you. We can disclose any information we have about you to these third parties, although we limit the information we supply to what is necessary for the third parties to fulfill their agreements with us. Before we disclose information to these third parties, they must agree in writing to keep your information confidential and use it only for purposes we authorize. Examples of such third parties include:
- Companies with whom we have contracts to print and mail our Member statements
- Companies with whom we have contracts to process Member credit card transactions
Disclosure of Information about Former Members and Customers
We have the same policy about disclosing information about former members as we do about current members.
Our Protection of the Security of Your Information
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Information on Public Records
You may be aware that businesses can obtain certain consumer information, such as that related to mortgage loans, which is a matter of public record and available to anyone from the County Recorder's Office. Unfortunately, this information is often used by companies to market their products and services directly to you. At times, they also make references to the Credit Union or its affiliates, which may imply that they obtained the information from us. The lenders' names, as well as certain details of the loans are included in the public records, and that is where they obtain their data.
Our Right to Change This Disclosure
This disclosure is effective July 1, 2006. We can change this disclosure by notifying you in writing. If a new disclosure will be subject to opt-out or opt-in rights, we will give you at least 45 days advance notice before the new disclosure goes into effect, and we will disclose the means by which you can opt-out of disclosure of nonpublic personal
Authorized Sharing-Joint Marketing
We may disclose the following information to other financial institutions with whom we have joint marketing agreements. Information you give us on an application or other forms, such as:
- Name
- Address
- Social Security Number
- Gender
- Telephone Number
Information about your transactions with us, such as:
- Account Number
- Date account opened
We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. As a California resident, you may have the right to opt-out of the disclosure of this information.
Types of Businesses
We may disclose information pursuant to joint marketing agreements to the following types of businesses. Financial services providers, such as:
- Life insurers
- Property and casualty insurers
Reasons for disclosing
We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.
Limitations on Disclosure
Here are the limitations we impose on the use of information disclosed on the use of information disclosed to other financial institutions with whom we have joint marketing agreements:
- We only allow direct mail solicitations
- We do not permit these companies to sell or share the information we provide to others.
Disclosure of Information Subject to Opt-Out or Opt-In Rights
Joint Marketing for California Residents
We have explained the kinds of information we may disclose to other financial institution with whom we have joint marketing agreements. If you are a California Resident, we will allow you to opt-out of the disclosure of this information. To do so, fill out the following form labeled “Important Privacy Choices for Consumers.”
Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.
If you have obtained one or more products or services jointly, an opt out instruction by one party is effective for all information we have collected about all joint parties. If one of you chooses to opt out, no information about any of the joint parties will be shared.
If you previously sent us an opt-out notice, then we will continue to apply the instruction to the information you asked us not to share. You do not need to return another opt out form.
If you wish to opt out of the disclosure of your information for joint marketing purposes, you may do so by doing the following:
- Print and complete the Opt-Out Notice and return it to us at this address:
STAR Community Credit Union
550 Salem Street
Chico, CA 95928
For Additional Information
Thank you for the continued opportunity to serve you. If you have any questions regarding this Privacy Disclosure, please contact us at (530) 895-1947.
Consumer Opt-out Notice
You have the right to control whether we share some of your information. Please read the following information carefully before you make your choice.
Your Rights
You have the following rights to restrict the sharing of personal and financial information with outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about other products or services.
Your Choice
Restrict information sharing with companies we do business with to provide financial products and services. Unless you say NO we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.
Time Sensitive Reply
You may make your privacy choice at any time. Your choice will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with outside companies with whom we have contracts to provide products and services.
