Privacy Policy

What Does Star USA 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 account balances
Credit scores 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’ 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 Star USA Federal Credit Union chooses to share; and whether you can limit this sharing.

  
    Reasons we can share your personal information
    Does Star USA FCU 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
    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

Reasons we can share your personal information	Does Star USA FCU 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	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

What We Do

  
    Who we are
  
    Who is providing this notice?
    Star USA FCU
  
    What we do
  
    How does Star USA FCU 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 Star USA FCU collect my personal information?
    We collect your personal information, for example, when you
open an account or pay your bills
use your credit or debit card or give us your income information
make deposits or withdrawals from your account

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 law and individual companies may give you additional rights to limit sharing

Who we are
Who is providing this notice?	Star USA FCU
What we do
How does Star USA FCU 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 Star USA FCU collect my personal information?	We collect your personal information, for example, when you open an account or pay your bills use your credit or debit card or give us your income information make deposits or withdrawals from your account 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 law and individual companies may give you additional rights to limit sharing

Definitions

  
    Definitions
  
    Affiliates
    Companies related by common ownership or control. They can be financial and nonfinancial companies.
    Star USA Federal Credit Union has no affiliates.

    Nonaffiliates
    Companies not related by common ownership or control. They can be financial and nonfinancial companies.
    Star USA Federal Credit Union 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.
    Our joint marketing partners include insurance companies, Credit Union Card Association and Elan Financial Services.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Star USA Federal Credit Union has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Star USA Federal Credit Union 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. Our joint marketing partners include insurance companies, Credit Union Card Association and Elan Financial Services.

Questions

Call toll-free (800) 628-2120 or go to www.star.coop

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