Privacy Policy

                            MORRIS SHEPPARD TEXARKANA FEDERAL CREDIT UNION

                                                                   PRIVACY POLICY

Rev. 11/2013

FACTS  WHAT DOES MORRIS SHEPPARD TEXARKANA 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 income
  • Account balances and payment history
  • Credit history and credit scores

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 Morris Sheppard Texarkana Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information

Does Morris Sheppard Texarkana FederalCredit 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

No

We don’t share

For joint marketing with other financial companies

No

We don’t share

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 nonaffiliates to market to you

No

We don’t share

Questions? Call (903)798-3918, go to www.morrissheppardfcu.org, email us at MSTFCU@txkusa.org,or write to us at: Morris Sheppard Texarkana FCU, 419 W 4th St, Texarkana, TX, 75501
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Who we are
Who is providing this notice? Morris Sheppard Texarkana Federal Credit Union
What we do
How does Morris Sheppard Texarkana Federal 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.
How does Morris Sheppard Texarkana Federal 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 any credit union service
  • you visit our website, provide us information on any online application or transaction, or information you send to us by email.
  • use your debit card
  • make deposits to or withdrawals from your accounts

We also collect your personal information from others, including credit bureaus 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
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • We do not have any affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Morris Sheppard Texarkana Federal Credit Union does not share information with nonaffiliates for them to market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • We do not share member information to outside marketing firms.