Member
Privacy Policy Disclosure
San Mateo Credit Union has always made it a top
priority to protect the privacy of our members. That's why SMCU never
shares your non-public personal information for the benefit of third
parties, nor do we sell our member lists to catalogs, direct mail companies,
magazines, or other non-financial service providers.
It has always been our standard to share your information
only with carefully selected companies that perform services on our
behalf. We work with these companies for specific business purposes
and maintain strict confidentiality agreements. Our employees are specially
trained in the importance of member privacy. We maintain the highest
physical, electronic, and procedural safeguards to ensure that your
private information is protected at all times.
If you terminate your membership with SMCU, we will
not share any of your information except as may be permitted or required
by law.
Protection on Our Web Site
When you browse our web site, www.smcu.org, you
do so anonymously; information about you is not collected. Our servers
collect only standard non-identifying information - such as date and
time visited, IP address, city, state, and country - which is used to
compile standard statistics on site usage.
When you access our online banking service, SMCU Online,
session cookies are used. Session cookies are necessary for the security
of your account and are used for authentication only. "Cookies"
are small pieces of information sent by a web site's server to a user;
the user's computer may show the information back to the server on subsequent
pages or actions. Session cookies end and are no longer valid when the
session with the server ends.
SMCU provides hyperlinks as a convenience to you
and has no control over the content posted at these web sites, nor does
SMCU make any representation as to the content of these web sites. Hyperlinks
to other internet resources are to be used by you at your own risk.
The content, accuracy, opinions expressed and other links provided by
these resources may not be investigated, verified, or monitored by SMCU,
and such links are not endorsed by SMCU unless otherwise specifically
stated. If you believe that SMCU has provided a hyperlink to a site
that contains infringing or illegal content or which makes available
cracker tools or other circumvention devices, we ask you to notify SMCU
so that we may evaluate whether (in SMCU 's sole discretion) to disable
it.
Information We Gather
SMCU is here to serve you and to meet all your financial
needs. Sharing the information with carefully selected business partners
enables us to:
Process your transactions
Follow your authorized instructions
Offer you valuable opportunities
Conduct our credit union operations
Protect the security of our financial records
In these instances, we may disclose non-public personal
information to relevant third-party companies. In every instance, we
ensure these organizations maintain strong confidentiality protections
on your behalf.
It may be required that we share information about
you with others to complete your transactions and provide you with personalized
products and services. Information we disclose about you may come from
several sources:
- Membership and loan applications, as well as
other forms that contain details such as your name, address, social
security number, and income
- Financial transactions, which indicate account balances, payment
history, and credit card usage
- Financial companies, such as insurance companies or government agencies
- Non-financial companies, such as consumer reporting agencies
- Regulators, auditors, examiners, or other government officials,
as legally required
- Verification of information which you provide on an application,
such as that confirmed by
employers or other financial institutions
- Information obtained from census forms
Your Choices Regarding Privacy
A financial information privacy
law has been designed to protect you, the consumer, by offering a means
to prevent your information from being sold or inappropriately shared
with others. It's called "opting out," and it allows you to
formally request that SMCU not sell your personal data. Again, SMCU
never sells or shares your non-public personal information for the benefit
of third parties - even before this opt out law was written.
1. No Action Required
SMCU never sells or shares your
personal information. This disclosure is for your information, and you
may want to retain it for your records.
2. Opting Out
Although selling information is
something we never do, you have the opportunity to formalize this policy
by selecting to opt out. By selecting to opt out, you request SMCU to
not share your non-public personal information.
Please be aware that if you decide
to opt out, SMCU will continue to share non-public personal information
with companies that perform services on our behalf. Please see the section
entitled "Information We Gather" regarding how this information
is used. Choosing to opt out will not apply to the following:
Disclosures that are legally permitted
Disclosures made to companies that perform services on behalf of
SMCU
Disclosures to other financial partners with whom we have joint
marketing agreements
If you have a joint account with
SMCU, it is necessary to submit only one opt-out notice. This privacy
request may be made by any owner, and will remain in effect until you
inform us otherwise. Opting out can be done at any time, and can be
accomplished in several ways:
Complete and mail the Opt-out
form. (Available
online by clicking here)
Call us at (650) 363-1725.
Fill out an Opt-out form in any branch.
If you wish to stop receiving
unsolicited credit card offers in the mail, call 888-567-8688 toll-free
and follow the recorded prompts.
Keep documents containing personal information in a safe place, or shred
them when they are no longer needed.
