Privacy Notice

USU Charter Credit Union is a Federal Credit Union owned by its Members and run by a Board of Directors you elect. You can be confident that your financial privacy is a top priority of the 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. If you have any questions, please contact a Credit Union Member Service representative at (435) 753-4080 or (800) 248-6361.

Children's Online Privacy Policy
   
Nonpublic Personal Information We Collect About You

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications, e-mail, or other forms;
• Information about your transactions with us, our affiliate (CSI Financial), or others;
• Information we receive from consumer reporting agencies;
• Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers, from other institutions where you conduct financial transactions and other sources listed on the application or other forms;
• Information we receive from government agencies such as the Department of Motor Vehicles; and
• Information we may obtain from census data and consumer purchasing providers to develop competitive marketing programs for our members.

Nonpublic Personal Information We May Disclose About You to Other Financial Service Providers / Fair Credit Reporting Act Disclosure

As permitted by law, we may disclose your name, address, telephone number and date of birth to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. This is to provide you with additional products and services which meet your financial needs. We may also disclose nonpublic personal information about you and other information about our transactions and experiences with you to our affiliate, CSI Financial. Information taken from credit reports will not be exchanged without your authorization.

Additional Nonpublic Personal Information We May Disclose About You to Third Parties Who Help Us Service Your Credit Union Accounts

We may disclose additional nonpublic personal information about you to process transactions on your behalf, to conduct the operations of USUCCU, to follow your instructions as you authorize, or to protect the security of our financial records. Such disclosures are typically made to: CSI Financial and insurance companies. Financial service providers such as credit reporting agencies, other financial institutions, personal property appraisers, real estate appraisers, digital signature services, courier services, real estate settlement services, title companies, collection companies, check suppliers, check reporting systems, ATM suppliers, credit card suppliers, statement printing and mailing services and vendors of the Credit Union's internal data processing software and hardware. We may also disclose information about you under other circumstances as permitted or required by law.
To protect your 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 to other third parties the information we provide.
If you terminate your membership with USU Charter Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What You Can Do to Help Protect Your Privacy

USU Charter Credit Union is committed to protecting the privacy of its Members. Members can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit 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 and says they're from the Credit Union and asks for your account number, do not give it to them. Bonafide Credit Union staff already have access to your information and will not need to ask for it.
• Keep information current on how the Credit Union can 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.