St. Joseph Medical Center MD FCU Privacy Policy December 2018
The FACTS: What does St. Joseph Medical Center MD FCU do with your personal information?
Your Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with member expectations is a high priority for everyone associated with your Credit Union. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information described in this notice.
We collect your personal information, for example, when you:
We also collect your personal information from other companies.
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.
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 St. Joseph Medical Center FCU chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal info | Do we share this info | Can you limt 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 | 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 credit worthiness
|
No | We don’t share |
|
For our affiliates to market to you
|
No | We don’t share |
|
For non-affiliates to market to you
|
No | We don’t share |
Federal law gives you the right to limit only:
State law and individual companies may give you additional rights to limit sharing.
If you have questions regarding this privacy notice call us at 410-337-1319 or to go to www.sjmcfcu.org
Definitions
Affiliates – companies related by common ownership or control. They can be financial and nonfinancial companies. St. Joseph Medical Center FCU does not share with our affiliates.
Nonaffiliates- companies not related by common ownership or control. They can be financial and nonfinancial companies. St. Joseph Medical Center FCU does not share with our nonaffiliates so they can market to you
Joint Marketing- a formal agreement between nonaffiliated financial companies that together market financial products or services to you. St. Joseph Medical Center FCU doesn’t jointly market.
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