Privacy


FACTS


WHAT DOES ST THOMAS FEDERAL 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 of the 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 account balances

  • credit history and income

  • payment history and transaction history

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' information to run their everyday business. In the section below, we list reasons financial companies can share their members' personal information; the reasons St. Thomas Federal Credit Union chooses to share; and whether you can limit this sharing.
 
Reasons we can share your information Does Connect 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 product and services to you		 YES  NO
For joint marketing with other financial companies NO We don't share
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 (340) 774-1299 or visit our website at www.stthomasfcu.com
 
Who we are
Who is providing this notice? St. Thomas Federal Credit Union
 
What we do
How does St. Thomas Federal 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 St. Thomas Federal  Credit Union collect my personal information? We collect your personal information, for example, when you:
  • Open an account or show your government issued ID
  • Give us your income information or provide employment information
  • Show us your drivers license

We also collect your personal information from others, such as credit bureaus, affiliates, 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 limit sharing.
 
Definitions
Affiliates
  • Companies related by common ownership or control. They can be financial or non-financial companies.
  • St. Thomas Federal Credit Union has no affiliates.
Non affiliates
  • Companies not related by common ownership or control. They can be financial and non-financial companies.
  • St. Thomas Federal Credit Union does not share with non-affiliates so they can market to you.
Joint Marketing
  • A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • St. Thomas Federal Credit Union does not engage in jointly marketing activities.