Privacy Policy

FACTS

WHAT DOES SIDNEY FEDERAL CREDIT UNION (SFCU) 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 Card or Other Debt and Payment History • Transaction or Loss History and Wire Transfer Instruction

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

Reasons we can share your personal information Does SFCU share? Can you limit this sharing?

Does SFCU 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

For joint marketing with other financial companies

Yes

For our affiliates’ everyday business purposes - information about your transactions and experiences

No

N/A

For our affiliates’ everyday business purposes - information about your creditworthiness

No

N/A

For our affiliates to market to you -

No

N/A

For our nonaffiliates to market to you -

yes

Yes

To limit our sharing

• Call 877-642-7328 and speak with a Member Services Representative, visit your nearest branch, or send us a secure chat at www.sfcuonline.org

Please note: If you are a new member, we can begin sharing your information 30 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 877-642-7328 and speak with a Member Services Representative

Who we are

Who is providing this notice?

Sidney Federal Credit Union (SFCU)

What we do

How does SFCU 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 SFCU collect my personal information?

We collect your personal information, for example, when you

• Open an account or Apply for a loan

• Pay your bills

• Make a wire transfers, tell us who receives the money, & where to send the money

We also collect your personal information from others such as credit reporting agencies 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.

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

Your choices will apply to anyone else on your account

Definitions

Affiliates

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

• Sidney Federal Credit Union has no affiliates.

Nonaffiliates

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

• Our nonaffiliates include insurance companies and financial companies.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include financial companies.

rev 03/2024