Privacy Statement

What does South Metro Federal 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 and credit history
  • credit scores and employment information
  • income and payment history

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

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

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION

DOES SMFCU 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 products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

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

No

We don’t share

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

No

We don’t share

For affiliates to market to you

No

We don’t share

For non affiliates to market to you

No

We don’t share

WHAT WE DO

How does South Metro 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 South Metro collect my personal information?

We collect your personal information, for example, when you:
– open an account or show your government-issued ID
– provide employment information or apply for financing
– show us 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 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.

DEFINITIONS

Affiliates

Companies related by common ownership or control. They can be financial and non financial companies.
– South Metro Federal Credit Union has no affiliates.

Non Affiliates

Companies not related by common ownership or control. They can be financial and non financial companies.
– South Metro Federal 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.
Our joint marketing partners include CUNA Mutual Group’s MEMBERCONNECT.

Website Privacy Policy

South Metro Federal Credit Union uses Google Analytics to track visitor statistics on southmet.com. Google Analytics records:

  • What website you came from to get here
  • How long you stay
  • What kind of computer you’re using
  • And quite a bit more

Occasionally, we review these statistics to learn more about the number of visitors this site receives and browsers being used. No personally identifying data is included in this type of reporting. All activity falls within the bounds of the Google Analytics Terms of Service.

Want to opt out of tracking?
You can opt out of Google’s advertising tracking cookie or use a browser plugin to opt out of all Google Analytics tracking software.

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