FACTS

What?

Why?

How?

Privacy Policy

WHAT DOES MICHIGAN STATE UNIVERSITY 
FEDERAL CREDIT UNION (MSUFCU) DO 
WITH YOUR PERSONAL INFORMATION?

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

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.

All financial companies need to share 
members’ personal information to run 
their businesses. In the section below, 
we list the reasons financial companies 
can share their members’ personal 
information, the reasons MSUFCU 
chooses to share, and whether you can 
limit this sharing.

Reasons we can share your 
personal information

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

For our marketing purposes –
To offer our products and services to you

For joint marketing with other 
financial companies

For our affiliates’ everyday business 
purposes –
Information about your transactions 
and experiences

For our affiliates’ everyday business 
purposes –
Information about your creditworthiness

For nonaffiliates to market to you

Does  
MSUFCU 
share?

Can you 
limit 
this 
sharing?

Yes

No

Yes

Yes

No

No

No

Yes

Yes

We don’t 
share

We don’t 
share

We don’t 
share

To limit 
our 
sharing

• Call 517-333-2424 or 800-678-4968 —  
a member service representative will 
assist you with your opt-out preferences.

• Visit us online at msufcu.org, log in to 
your account via ComputerLine, select 
the “Messages” option at the top of your 
screen and leave a secure message. 

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 our member, we can 
continue to share your information as 
described in this notice.

However, you can contact us at any time 
to limit our sharing.

Questions? Call 517-333-2424 or 800-678-4968 or 
visit msufcu.org.

Who we are

Who is providing 
this notice?

Michigan State University Federal Credit 
Union

What we do

How does 
MSUFCU protect 
my personal 
information?

How does 
MSUFCU collect 
my personal 
information?

Why can’t I limit 
all sharing?

What happens 
when I limit 
sharing for an 
account I hold 
jointly with 
someone else?

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 collect your personal information, for 
example, when you:

• Open an account or deposit money
• Pay your bills or apply for a loan
• Use your credit or debit card

We also collect your personal information 
from others, such as credit bureaus, 
affiliates, or other companies.

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

Your choices will apply to everyone on 
your account.

Definitions

Affiliates

Nonaffiliates

Joint Marketing

Companies related by common 
ownership or control. They can be 
financial and nonfinancial companies.

• MSUFCU has no affiliates.

Companies not related by common 
ownership or control. They can be  
financial and nonfinancial companies.

• MSUFCU does not share with 
nonaffiliates so they can market to you.

A formal agreement between nonaffiliated 
financial companies that together market 
financial products or services to you.

• Our joint marketing partners include  
  insurance companies and investment  
  partners.

12/19