Privacy Policy

WHAT DOES SUNY FREDONIA 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
  

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 SUNY Fredonia Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information on	Does SUNY Fredonia 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	Yes
For joint marketing with other financial companies	Yes	Yes
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 credit worthiness	No	We don’t share
For nonaffililates to market to you	No	We don’t share
For affiliates to market to you	No	We don’t share

Questions?
Call (716) 673-3585

What we do

How does Linkage Credit Union 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 Linkage 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.

Definitions

Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Linkage Credit Union has no affiliates.

Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Linkage 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.

Information We Collect and Disclose About You
We collect the following nonpublic personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf, or to our affiliates, except that the only information we will disclose to our affiliates is information solely as to transactions or experiences between you and us.

• Information we receive from you on applications or other forms such as name, address, social security number, and income.
• Information about your transactions with us, our affiliates, or others that work closely with us to provide you with financial products, such as account balances, payment history, and parties to your transactions.
• Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.
• Information obtained from verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.

We may also disclose any non-public information about you under other circumstances as permitted or required by law, typically to process transactions on your behalf, conduct our operations, follow your instructions as you authorize, or to protect the security of our financial records.

If you decided to terminate your membership or become an inactive member, we will adhere to the privacy policies and practices described in this notice.

How We Protect and Restrict Your Account Information