Northern Skies Federal Credit Union, your member-owned financial institution, is committed to providing you financial products and services to meet your needs and reach your financial goals. We are equally committed to protecting our members' privacy. You can be confident that your financial privacy is a priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information.
Federal law requires us to tell you how we collect, share, and protect you personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information by revewing it below. If you'd like a hard copy you can request one by visiting our branches or calling us at 561-1407 or toll free at (800) 747-1407.
INFORMATION WE COLLECT AND DISCLOSE ABOUT YOU
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications and other forms;
- Information about your transactions with us or others;
- Information we receive from a consumer reporting agency;
- Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.
We may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the member information we provide to other third parties.
In order to conduct the business of the credit union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.
HOW WE PROTECT YOUR INFORMATION
We restrict access of nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safe- guards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.
WHAT YOU CAN DO TO HELP PROTECT YOUR PRIVACY
Northern Skies Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
- Protect your account numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit card, which can provide free access to your accounts if your card is lost or stolen.
- Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
- Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
- If you have questions concerning this notice, please do not hesitate to contact us—we are here to serve you.
FACTS |
WHAT DOES NORTHERN SKIES 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:
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 Northern Skies Federal Credit Union chooses to share; and whether you can limit sharing. |
|
Reasons we can share your personal information |
Does NSFCU 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 |
NO |
We don't share |
|
For joint marketing with other financial companies |
YES | NO |
| For our affiliates' everday buisness purposes - information about your transactions and experiences | NO | We don't share |
| For nonaffiliates to market to you | NO | We don't share |
Who is providing this notice? |
Northern Skies Federal Credit Union
How does Northern Skies 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 Northern Skies collect my personal information? |
We collect your personal information, for example, when you
- Open an account
- Make deposits or withdrawals from your account
- Give us your income information
- Apply for financing
- Show your driver's 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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions: |
- Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Northern Skies Federal Credit Union has no affiliates
- Nonaffiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Northern Skies 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 an insurance company.
Other Information: |
All the categories above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message Services.
For Alaska, Illinois, Maryland, and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi, and New Jersey Members. We will not share personal information for deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.
Other Important Information: |
Additional Digital Banking Privacy Information. The following information relates to our collection, retention, and use of certain information in connection with our online banking and mobile banking services. Certain features of your online or mobile app (such as payment services) need to access your device’s contacts in order to complete transactions efficiently. We may also maintain information regarding your device usage and IP address information. In addition, certain features require access to your camera and device images for facial recognition or for mobile deposit. We may also periodically collect, transmit, and use geolocation information to support features that prevent fraudulent card use and alerts, but only if you expressly authorize collection of such information. You may choose whether geolocation information can be monitored on a continuous basis in the background, only while the app is being used, or not at all. You can change these permissions at any time in your device settings.