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
• Account balances
• Payment history
• Checking account information
• Overdraft history

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

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Stable-pillar Credit-Union chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information

Does Stable-pillar 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

No

We Do Not Share

For our affiliates’ everyday business purposes –

information about your transactions and experiences

No

We Do Not Share

For our affiliates’ everyday business purposes –

information about your creditworthiness

No

We Do Not Share

For our affiliates to market to you

No

We Do Not Share

What We Do

How does Stable-pillar Credit-Union protect my 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 those employees who need to know that information to provide products and services to you.

How does Stable-pillar Credit-Union collect my information?

We collect your personal information, for example, when you

• Open an account or deposit or withdraw from your account
• Apply for a loan or provide account information
• Give us your income information

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

(See below for more on your rights under state law.)

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies. Stable-pillar Credit-Union does not share with affiliates.

Non‑Affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies. Stable-pillar Credit-Union does not share with non-affiliates.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you. Stable-pillar Credit-Union does not jointly market.

Other Important Information

In accordance with California law, Stable-pillar Credit-Union will not share information we collect about California residents with companies outside of Stable-pillar Credit-Union, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable California law.