Privacy Policy

WHAT DOES UNION SQUARE CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Revised January 2024

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 checking account information
Payment history and credit history
Overdraft history and credit card or other debt

How?

All financial companies need to share members’ personal information to run their everyday businesses. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Union Square Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Union Square Credit Union 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 our 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	Yes	No
For our affiliates’ everyday business purposes — information about your creditworthiness	No	We don't share
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 800-600-7517. Please note if you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a Union Square customer, we continue to share your information as described in this notice.
Questions?	Call 800-600-7517 or go to www.unionsquare.org

What we do

How does Union Square 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 also maintain other physical, electronic, and procedural safeguards to protect this information, and we limit access to this information.
How does Union Square Credit Union collect my personal information?	We collect your personal information, for example, when you Open an account or apply for a loan Apply for financing or provide account information Show 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.
What happens when I limit sharing for an account I hold jointly with someone else?	Limits for sharing by one will apply to everyone on the account.

Definitions

Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a Union Square name, such as Union Square Insurance Agency.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Union Square 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. Our joint marketing partners include insurance companies.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include companies with a Union Square name, such as Union Square Insurance Agency.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Union Square 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.

Our joint marketing partners include insurance companies.

Other important information

Mobile App Collected Information: We may collect information from your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device's geolocation data. This information may be collected when you use certain services that are dependent on your mobile device's location (such as the location of an ATM or in-store transactions).