Privacy Policy

FACTS WHAT DOES SDFCU 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
  • Credit scores
  • Transaction or loss history
  • Overdraft history
  • Credit history
  • Credit card or other debt
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 SDFCU chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does SDFCU 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 Yes
For joint marketing with other financial companies Yes Yes
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

Visit us online: www.sdfcu.org/optout

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 a 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 800-296-8882 (U.S.) or 703-706-5000 or go to www.sdfcu.org
WHO ARE WE  
Who is providing this notice? SDFCU means State Department Federal Credit Union.
WHAT WE DO  
How does SDFCU protect my personal information? We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does SDFCU collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Make deposits or withdrawals from your account
  • Deposit money 
  • Show your government-issued ID

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. 
How does SDFCU collect and utilize data with mobile banking applications for marketing purposes?

Our marketing tools collect the following information when using our mobile banking application in order to provide appropriate marketing campaign information:

  • Location data is collected to provide location-based messages and interactions even when the application is closed or not in use.
  • A random User ID is generated upon initial app access and used later during each marketing tool interaction. The User ID is used for identifying the user and for sending campaign information. The User ID is unique for each device and changes every time the application is re-installed.
  • Product Interaction is a marketing tool used to track user application entry, exit and pages viewed within the application.
  • Our marketing tools will collect your first name for product personalization purposes.
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. See below for more on your rights under state law.
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 non-financial companies

  • Our affiliates include: Financial companies such as: Securities America.
Nonaffiliates

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

  • SDFCU does not share with 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 and financial companies.
Other Important Information

For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with non affiliates either for them to market to you or for joint marketing - without your authorization. 

For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization. 

Rev. 04/2021