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Our Privacy Notice

Soo Co-op Credit Union Logo

4489 I-75 Business Spur

Sault Ste. Marie, MI 49783

906.632.5300

www.soocoop.com

Revised

October 2024

 

FACTS

WHAT DOES SOO COOP 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 accounts, products or services you have with us. This information can include:

  • Name, address, 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 Soo Co-op Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Soo Co-op Credit Union share?

Can you limit this sharing?

 

For our everyday business purposes—such as to process your
transactions, maintain the account(s) you have with us, 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

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

Yes

No

For non-affiliates to market to you

No

We do not share

 

Questions?

Call us at 906-632-5300 or toll-free at 866-632-6819 or visit us online at www.soocoop.com.

 

Who We Are

Who is providing this notice?

Soo Co-op Credit Union and our wholly owned subsidiary, SCCU Service, LLC dba SCCU Insurance Agency.

 

What We Do

How does Soo Co-op 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, secured files and buildings, procedural safeguards and safe record
storage. We will continue to review and modify our security controls in the future to
deal with changes in products, services and technology.

How does Soo Co-op Credit Union collect my personal information?

We collect your personal information, for example, when you

  • start an account
  • apply for a loan
  • use your credit or debit card
  • pay your bills
  • make deposits to or withdrawals from the accounts you have with us

We also collect your personal information from others, including credit bureaus or
other companies.

Why can’t I limit all sharing?

Federal law only gives you the right to limit:

  • 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.

 

Definitions

Affiliates

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

  • Soo Co-op Credit Union is affiliated with SCCU Service, LLC.

Non-affiliates
  • Companies not related by common ownership or control.
  • They can be financial and nonfinancial companies.
  • Soo Co-op Credit Union does not share with non-affiliates so that they can
    market to you.

Joint marketing

A formal agreement between non-affiliated financial companies that together market
financial products or services to you. Our marketing partners include:

  • Investment companies
  • Insurance companies
  • Other financial service providers

 

Other Important Information: Geolocation

Our Controls & Alerts app periodically collects, transmits, and uses geolocation information to support features that prevent fraudulent card use and alerts, but only if you expressly authorize collection of such information. You may choose whether geolocation information can be monitored on a continuous basis in the background, only while the app is being used, or not at all.  You can change your location permissions at any time in your device settings.