Privacy Policy

We, our, and us, when used in this notice mean United Shoreline Federal Credit Union. This is our privacy notice for our members when we use the words "you" and "your" we mean the following types of members:

All of our consumer members who have a continuing
relationship with us, such as:

Deposit Account
Loan Account
Credit Card

We will tell you the sources for non-public personal information we collect On our members. We will also inform you to what measures we take to secure that information.

We will also tell you what information we share with other entities. We will Explain what your rights are, and how you can exercise them. If you share account Relationship with someone else for example where you are a co-borrower or joint holder of a share draft account, we suggest that you share this information with each to ensure that each of you are aware of our policy and your options.

We first define some terms.
Non-public personal information means information that we collect in connection with providing a financial product or service to you. Non-public personal information does not include information that is available from public sources such as telephone directories or government records. An affiliate is a company we own or control. A non-affiliated third party is a company that is not an affiliate of ours. Opt out means a choice your can make to prevent certain sharing of information. We will explain how you can exercise this choice.

The Information that we collect.
We collect non-public personal information about you from following sources:

• Information we receive from you on your applications or other forms.
• Information about your transactions with us
• Information about your transactions with non-affiliated third parties
• Information from a consumer reporting agency

The Confidentiality, Security and Integrity of your Non-Public Personal Information
We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic procedural safeguards that comply with federal regulations to guard your non-public personal information.

Non-Public Personal Information and Non-Public Affiliated Third Parties
We may disclose non-public personal information to non-affiliated third parties. Here are the kinds on non-public personal information we disclose to non-affiliated third parties:

• Non-public information we receive from you on application or other form, such as:
  • Name
  • Address
  • Social Security Number

You may opt-out of the disclosure of the information listed above.

Exceptions:
We do not share this information about members who recede in Vermont.
We do not share any information derived from deposit, "share" relationships with us about members who reside in Mississippi. The only information we share about our members from Tennessee is name and address.

Types of Non-Affiliated Third Parties
We may disclose non-public personal information about your to the following types of non-affiliated third parties:

• Financial Service Providers, such as Insurance Agents

Future non-affiliated Third Party Disclosure
We also reserve the right to disclose the following additional non-public personal information about you to non-affiliated third parties in the future:

• Non-public personal information about your transactions with us, such as
  • Types of accounts
  • Non-public personal information about your transactions with non-affiliated third parties, such as Credit Card usage.

You may opt-out of this disclosure of the information listed above.

We may disclose this non-public personal information with the third parties listed under the heading types Non-affiliated third parties, as well as the following additional non-affiliated third parties:

• Financial Service Providers, such as Mortgage Bankers

Non-Public Information and Other Parties
We do not disclose your non-public personal information to anyone except as permitted by law or as disclosed in this disclosure.

Non-Public Personal Information and Former Members
We do not disclose non-public personal information about former members, except as permitted by law.

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NON-PUBLIC PERSONAL INFORMATION

Non-affiliated Third Parties. If you do not want us to share your non-public personal information with non-affiliated third parties you can block the release of certain non-public personal information - this is known as your right to "opt-out".

Your decision to block the disclosure of your non-public information will apply to all products and services you receive us.

If you have a joint account, each participant of this account has a separate right to opt-out. If one of you chooses to opt-out the disclosure of non-public personal information, and the other only information regarding the party who does not opt-out will be disclosed. Any participant on the account can opt-out of the behalf of any other participant of the account.

If you wish to opt-out of disclosures, you may do so by following method.

• Click Here - to e-mail us at USFCU@mindspring.com expressing that you would not like us to share your non-public personal information with non-affiliated third parties.
• For a complete copy of this disclosure, call 203-786-6410.

Your deposits are insured up to $100,000, by the NCUA, National Credit Union Administration.