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Information We Collect About You St. Joseph Teachers' Credit Union collects non-public personal information about you from the following sources: * Information we receive from you on applications or other forms; * Information about your transactions with us; * Information we receive from consumer reporting agencies; * Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions. We do not disclose any non-public information about you to anyone, except as permitted by law. Parties Who Receive Information From Us St. Joseph Teachers' Credit Union may disclose non-public information about you to the following types of third parties. * Financial service providers - such as insurance companies, mortgage service companies and securities broker - dealers. * Non-financial service companies - such as consumer reporting agencies, data processors, check/draft printers, financial statement publishers, plastic card processors, direct marketers and government agencies. Disclosure Of Information To Parties That Provide Services To Us In order for us to conduct business, St. Joseph Teachers' Credit Union may disclose all the information we collect, as described above. We may also disclose non-public personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of St. Joseph Teachers' Credit Union, follow your instructions as you authorize, or protect the security of the credit union's financial records. To protect our members' privacy, we only work with companies that agree to maintian strong confidentaility protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third party companies. Disclosure Of Information About Former Members If you terminate your membership with St. Joseph Teachers' Credit Union, we will not share information collected about you,except as permitted or required by law. How We Protect You Information We restrict access to non-public personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic or procedural safeguards that comply with federal regulations to guard your non-public personal information.
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