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Sunlight FCU Privacy Policy

Sunlight FCU Privacy Policy

Privacy Statement:

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At Sunlight Federal Credit Union, we respect our members' privacy and recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes our privacy policy and practices and explains what types of member information we collect and under what circumstances we may share it.

Member Information We Collect:

The Credit Union collects only relevant information about members needed to establish and maintain your account and services as the law allows or requires. We may collect personal and financial information about you (member information) which is "nonpublic." The member information we collect varies depending on the accounts and services you request and use. Information is collected from the following sources:

Member Information We Share:

In order to provide financial services to you, we share certain information about you with our third party service providers. However, we only share information to the extent necessary to service your account or offer new services to you. If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience. Information we may have about former members is generally only shared or disclosed if necessary to enforce or administer an account or as required by law.

Sharing Information with Third Party Service Providers, credit reporting agencies, and financial service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed in writing to keep member information we provide to them confidential. We share the following categories of information to third party service providers depending on the specific services provided:

We do not sell member information nor share your account numbers with independent third party marketers offering their products and services. While we may assist in offering financial products and services of our contracted financial service providers, we control the member information used to make such offers.

Sharing Information as Legally Required or Permitted. We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.

Sunlight reserves the right to disclose nonpublic personal information about our Members to non-affiliated third-parties as allowed or required by law.

Our Confidentiality and Security Safeguards:

We maintain strict policies and security controls to assure that member information in our computer systems and files are protected. Our employees are permitted access to member information that they may need to perform their jobs and to provide service to you. Our employees have access to such member information as necessary to conduct a transaction or respond to your inquiries. All employees are trained to respect member privacy. No one except our employees has regular access to the Credit Union computer system and records storage. The Credit Union has established internal security controls, including physical, electronic, and procedural safeguards to protect the information you provide us and the information we collect about you. We will continue to review our internal security controls to safeguard your member information as we employ new technology in the future.

Online Privacy Protections:

At our website, you may apply for accounts and services and communicate with us via email. To protect the information you provide us online, we use multiple levels of security. The application information we accept online and our online banking service relies on industry standard "Secure Sockets Layer" (SSL) encryption to secure your transaction information and communication. Generally, emails are not secure. When you visit our website, you can access site information, without revealing your personal identity. However, in order to help us identify you for future site visits, we use cookies to track your visit. A cookie is a piece of information that our web server stores on your computer hard drive and retrieves later. The cookie will not request, require or collect personal identity information and you remain anonymous. Your member information is not accessed by or stored within a cookie in any way.

Protecting Children's Information Privacy:

Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children's identities and online privacy is important and that responsibility rests with us and with parents.

Privacy Policy Inquiries: If you have any questions about our privacy practices, please contact us by calling (307) 587-4915. You may also write to us at PO Box 190, Cody, WY 82414