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Privacy Notice


Reviewed: December 2017

FACTS WHAT DOES MUTUAL SECURITY 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 Credit History
  • Account Balances and Checking Account Information
  • Payment History and Account Transactions
  • Credit Scores
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 Mutual Security Credit Union chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does Mutual Security 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 bureausYes

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 non-affiliates to market to you

No No

 

Questions? Call (800) 761-2400, visit www.mscu.net or submit a written request to Mutual Security Credit Union, PO Box 2489, Shelton, CT 06484-1489.

 

Who we are

Who is providing this notice?

Mutual Security Credit Union

 

Who we are

How does Mutual Security 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 Mutual Security Credit Union collect my personal information?

We collect your personal information, for example, when you 

  • Open an account or apply for a loan
  • Pay your bills or use your credit card or debit card
  • Give us your contact information or show your driver’s license

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 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.

Non-affiliates

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

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Our joint marketing partners may include insurance companies and other financial service companies. 

 

Other important information

As an organization that collects Social Security Numbers in the normal course of business, Mutual Security Credit Union is committed to protecting the confidentiality of Social Security Numbers and other information associated with a particular individual (“personal information”). We have implemented policies and procedures which are designed to: protect the confidentiality of Social Security Numbers, prohibit unlawful disclosure of Social Security Numbers and to limit access to Social Security Numbers.