Privacy Policy
WHAT DOES SILVER STATE SCHOOLS CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
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 types of information we collect and share depend on the product or service you have with us. This information can include:
- Social Security Numbers and Account Balances;
- Account Transactions and Credit History;
- Payment History, Transaction or Loss History;
- Geolocation Data
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 Silver State Schools Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information. | Does Silver State Schools Credit Union share? | Can you limit my sharing? |
|---|---|---|
| For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, and report to credit bureaus | Yes | No |
| For our marketing purposes - to offer our products and services to you | Yes | Yes |
| For joint marketing with other financial companies | Yes | Yes |
| No | No | |
| For our affiliates' everyday business purposes - information about your creditworthiness | No | No |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | We don't share |
To limit our sharing:
- Call toll-free (800) 357-9654 – our menu will prompt you through your choice(s) or
- Visit us online: silverstatecu.com/contact-us
Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions: Call toll-free (800) 357-9654 or go to www.silverstatecu.com/contact-us
Who is providing this notice?
Silver State Schools Credit Union & Silver State Schools Servicing Company LLC dba Silver State Schools Mortgage Company.
How does Silver State Schools 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. We restrict access to nonpublic personal information about you to employees who need to know that information. We maintain physical, electronic and, procedural safeguards to guard your nonpublic personal information.
How does Silver State Schools Credit Union collect my personal information?
We collect your personal information, for example, when you:
- Open an account or apply for a loan;
- Use your credit or debit card or give us your contact information;
- Make deposits or withdrawals from your account;
- Enable Locations and/or Regions controls in the Card Force App.
We 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.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies.
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- Our affiliates include Silver State Schools Service Company LLC dba Silver State Schools Mortgage Company.
Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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- Silver State Schools Credit Union does not share with our nonaffiliates so they can market to you.
Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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- Our joint marketing partners include financial advisors and insurance providers.
Cookies
In order to provide optimal security, performance and reliability, this service requires that cookies be enabled on your web browser. Cookies are a small piece of information that a web server can store on your browser so the system recognizes your actions during a session.
As you browse the internet, some cookies are “set” on your Web browser. For example, cookies are used to store preferences you have requested on frequently visited websites. When you close your browser, some cookies are stored in your computer’s memory in a cookie file, while some expire immediately. All cookies have expiration dates.
Cookies cannot be used to obtain data from your computer, get your e-mail address or access sensitive or personal information. The only way that any private information could be part of your cookie file would be if you personally provided that information to a website. Also, each cookie can only be read at the site where the cookie was created.
Surfing Safely and Securely
Silver State Schools Credit Union is committed to providing you with an enjoyable online experience. Clicking through our website will provide you with comprehensive information on our financial products and services, as well as ensure that the privacy and security of your personal information is protected.
How Secure Is Silver State Schools Credit Union’s Online Banking?
Silver State Schools Credit Union uses technology that encrypts or disguises all information during your Silver State Schools Credit Union online session. If someone were to intercept your data, it would be meaningless and impossible to read or change.
To ensure that your information is secure at all times, Silver State Schools Credit Union runs Online Banking (e-Access) on a secure server utilizing SSL encryption.
What is Secure Sockets Layer (SSL) encryption?
SSL encryption technology emerged as the industry standard for securing data while it travels across the Internet. SSL is used worldwide in online stores, credit unions, banks, and an all other Web sites where information from an individual needs to be kept confidential.
Your information is guaranteed confidentiality through the encryption or scrambling process and cannot be decrypted by anyone but you. If an encrypted message is somehow intercepted, it will be unreadable by the third party.
Silver State Schools Credit Union has been certified with a secure certificate from VeriSign to communicate with you, the member, with SSL technology. Digital certificates act as a digital ID that users or computers are authentic.
Third-Party Links
Silver State Schools Credit Union does not endorse or guarantee the products, information, or recommendations provided by linked sites. Silver State Schools Credit Union is not liable for any failure of products or services advertised on linked sites. Third-party websites may provide less online security than the Silver State Schools Credit Union website. And further, each third-party link may have a privacy policy different than your Credit Union; thus we encourage you to review each privacy policy for your own protection.
Geolocation Data
Silver State Schools Credit Union may collect, use, and share data depending on the products and services that you have with us. SSSCU may need to use and share your personal information to provide those services. This includes contact information, which we sync to help you find contacts for optional payment service, and geolocation information, which may aid in the prevention of fraudulent transactions. It also includes your banking, payment, and transaction information. Federal law gives consumers the right to limit some, but not all sharing. State and Federal laws also require us to tell you how we collect, share and protect your personal information.
