privacy policy

What does Service 1st 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 transaction 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 Service 1st Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information:

• 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.
• For our marketing purposes— to offer our products and services to you.
• For joint marketing with other financial companies.
• For our affiliates’ everyday business purposes— information about your transactions and experiences.
• For our affiliates’ everyday business purposes— information about your creditworthiness.
• For our affiliates to market to you.
• For nonaffiliates to market to you.

 Does Service 1st share?

• Yes - 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 - For our marketing purposes— to offer our products and services to you.
• Yes - For joint marketing with other financial companies.
• Yes - For our affiliates’ everyday business purposes— information about your transactions and experiences.
• Yes - For our affiliates’ everyday business purposes— information about your creditworthiness.
• Yes - For our affiliates to market to you.
• Yes - For nonaffiliates to market to you.

 Can you limit this sharing?

• No - 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 - For our marketing purposes— to offer our products and services to you.
• Yes - For joint marketing with other financial companies.
• No - For our affiliates’ everyday business purposes— information about your transactions and experiences.
• Yes - For our affiliates’ everyday business purposes— information about your creditworthiness.
• Yes - For our affiliates to market to you.
• Yes - For nonaffiliates to market to you.

 To limit our sharing

• Call 800.562.6049 — our menu will prompt you through your choice(s) or
• Visit us online: www.service1.org

Please note:

If you are a new member, we can begin sharing your information days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 800.562.6049 or go to www.service1.org

Who is providing this notice?

Service 1st Federal Credit Union

How does Service 1st 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 Service 1st collect my personal information?  

We collect your personal information, for example, when you

• Open accounts or deposit money
• Pay your bills or apply for a loan
• Use your credit card or debit card

 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.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

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

• Member Business Financial Services, LLC
• First Heritage Mortgage Services

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

• Nonaffiliates we share with can include insurance companies, government agencies, plastic card processors, consumer reporting agencies, and check / share draft printers.

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 and mortgage companies

The Service 1st mobile apps periodically collect, transmit, and uses geolocation information for enabling features that prevent fraudulent card use and alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End User’s selection. The End User can change his/her/their location permissions at any time in their device settings.