FACTS WHAT DOES SPC 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 balances, payment history
  • Account transactions and credit history
    • When you are no longer our customer, 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 reason SPC Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does SPC 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		 Yes No
For our marketing purposes –
to offer our products and services to you		 Yes No
For joint marketing with other financial companies Yes Yes
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 Yes No
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We don't share
For our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share

To limit our sharing

Please note:
If you are a new Member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 800-249-8459 or go to www.spccu.org

Who We Are
Who is providing this notice? SPC Credit Union
What we do
How does SPC Credit Union Protect 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.
SPC regularly tests and assesses its information security measures and adopts upgrades and enhancements as necessary.
How does SPC Credit Union collect my personal information? We collect your personal information, for example, when you
  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your credit or ATM/debit card
    • We also collect your personal information from others, such as from 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.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
- SPC has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies
- The nonaffiliated we share with can include insurance companies, data processors, check printers, consumer reporting agencies, statement printers, mail houses and plastic card processors
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include investment and insurance companies