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Forms & Disclosures

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Privacy Notice

Facts

WHAT DOES ST. JEAN’S 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 
  •  Overdraft history
  • Account balances 
  • Account transactions
  • Transaction and loss history
  • Checking account information

When you are no longer our member, we continue to share information about you as described in this notice. 

How?

All financial institution’s need to share their members personal information to run their everyday business and to process transactions, maintain member accounts, and report to credit bureaus. In the section below, we list the reasons financial institutions can share their members personal information; the reasons we choose to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does the CU share?

Can you limit this sharing?

  • Does the Credit Union Share? YES
  • Can you limit this sharing? NO

FOR OUR EVERYDAY BUSINESS PURPOSES – to process your transactions, maintain your account, respond to court orders and legal investigations and/ or report to credit bureaus

YES

NO

  • Does the Credit Union Share? YES
  • Can you limit this sharing? NO
FOR OUR MARKETING PURPOSES – to offer our products and services to you

YES

We do not share

  • Does the Credit Union Share? YES
  • Can you limit this sharing? NO
FOR JOINT MARKETING WITH OTHER FINANCIAL COMPANIES

YES

NO

  • Does the Credit Union Share? NOT APPLICABLE, ST. JEAN’S CREDIT UNION DOES NOT HAVE AFFILIATES
  • Can you limit this sharing? NOT APPLICABLE, ST. JEAN’S CREDIT UNION DOES NOT HAVE AFFILIATES
FOR OUR AFFILIATES’ EVERYDAY BUSINESS PURPOSES – information about your transactions and experiences

NOT APPLICABLE, ST. JEAN’S CREDIT UNION DOES NOT HAVE AFFILIATES

NOT APPLICABLE, ST. JEAN’S CREDIT UNION DOES NOT HAVE AFFILIATES

  • Does the Credit Union Share? NOT APPLICABLE, ST. JEAN’S CREDIT UNION DOES NOT HAVE AFFILIATES
  • Can you limit this sharing? NOT APPLICABLE, ST. JEAN’S CREDIT UNION DOES NOT HAVE AFFILIATES
FOR OUR AFFILIATES’ EVERYDAY BUSINESS PURPOSES – information about your creditworthiness
NOT APPLICABLE, ST. JEAN’S CREDIT UNION DOES NOT HAVE AFFILIATES
NOT APPLICABLE, ST. JEAN’S CREDIT UNION DOES NOT HAVE AFFILIATES
  • Does the Credit Union Share? NOT APPLICABLE, ST. JEAN’S CREDIT UNION DOES NOT HAVE AFFILIATES
  • Can you limit this sharing? NOT APPLICABLE, ST. JEAN’S CREDIT UNION DOES NOT HAVE AFFILIATES
FOR OUR AFFILIATES TO MARKET TO YOU
NOT APPLICABLE, ST. JEAN’S CREDIT UNION DOES NOT HAVE AFFILIATES
NOT APPLICABLE, ST. JEAN’S CREDIT UNION DOES NOT HAVE AFFILIATES
  • Does MutualOne Share? NO
  • Can you limit this sharing? We do not share.
FOR NON AFFILIATES TO MARKET TO YOU

NO

We do not share

Questions

St. Jean's Credit Union

www.stjeanscu.com

Main Office: 781.592.5420 or 1.888.345.5588
Salem Branch & Operations Center: 978.219.1000
Newburyport Branch: 978.462.2771
Key Branch: 781.284.1550 or 1.800.231.6878
Seaport Branch: 978.744.1153

Who we are

Who is providing this notice?

St. Jean’s Credit Union

What we do

How does St. Jean’s 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 St. Jean’s Credit Union collect my personal information

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Provide account information
  • Provide mortgage information
  • Use your credit or debit card
  • 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 sharing only for

  • affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using information to market to you
  • sharing for non affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

  • St. Jean’s Credit Union has no affiliates.

Nonaffiliates

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

  • St. Jean’s Credit Union does not share with non affiliates so they can market to you.

Joint Marketing

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

  • St. Jean’s Credit Union joint marketing companies may include CUNA MUTUAL INSURANCE and credit card companies.

Other Important Information

For Massachusetts Members: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization.