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Privacy Policy

Merced School Employees Federal Credit Union
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MSEFCU's Federal Privacy Policy

Rev. Date 08/2014

FACTS WHAT DOES MERCED SCHOOL EMPLOYEES 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 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 and payment history
  • credit history and 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 Merced School Employees Federal Credit Union chooses to share, and whether you can limit this sharing.
Reasons we can share your personal information Does Merced School Employees Federal 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 nonaffiliates to market to you No We don't share
Questions? Call 209.383.5550
What we do
How does Merced School Employees Federal Credit Union protect my 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 Merced School Employees Federal 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 debit card
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 nonaffiliates 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.
  • Merced School Employees Federal Credit Union has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Merced School Employees Federal Credit Union does not share with 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.
  • Our joint marketing partners include insurance agents. 
Other important information
California law provides that a consumer has the right to control the sharing of personal and financial information with outside companies the financial institution contracts with to provide financial products and services. To exercise your right, refer to the separate notice titled, “Important Privacy Choices for Consumers” which is provided to you by Merced School Employees Federal Credit Union.
 

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