What does Sunlight Federal Credit Union do with your personal information?
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:
- Application Information. We retain personal information received from you on any application you provide for membership, deposit account, EFT services, loans, insurance, or other Credit Union services. This information includes: name, address, social security number, birth date, phone number, employment and financial status, and credit history.
- Your Transactions. Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, transactions through online banking, over the phone or at a branch we retain the transaction information, including: your account number, the date, amount, location of the transaction, and other pertinent information.
- Credit Reports. When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. We retain the personal and credit history information about you and we may use it to evaluate future account service requests.
- Online. We obtain information online when you visit our website. This includes retaining information you provide us on any online application, online banking transaction or information you send to us by e-mail.
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:
- Personal information (name, address, and account number)
- Account information (type of accounts, account balances, and transaction history)
- Transaction information (dates, amounts, locations, and type of transaction)
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 certain member information that they need to perform their jobs and to provide service to you. Our employees have access only to member information necessary to conduct a transaction or respond to your inquiries. All employees are trained to respect member privacy. 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 regularly review our internal security controls to safeguard all member information as we employ new technology in the future.
Online Privacy Protections:
On 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 layers of security. Sunlight utilizes protocols and encryption methods that meet or exceed industry standards as well as regulatory and legal requirements. Sunlight will never send sensitive member information to you in an unencrypted format. When you visit our website, you can access site information without revealing your personal identity. In order to help us identify you for future site visits, we may use cookies to track your visit.
A cookie is a piece of encrypted information that our web server and your device generate. It is stored within your browser on your device. Cookies allow you to stay logged in for a time, even after switching pages so you do not need to re-login every time you switch to a different part of the online banking platform or website. The cookies we use do not collect or store personal, banking, or financial transaction information.
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