Privacy Notice

Revised: April 2021

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 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 non-affiliates to market to you	No	We don't share

Questions?

Call (800) 761-2400 or visit www.mscu.net.

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.