Privacy
What does Educational Systems Federal 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 financial 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 History
- Account Transactions
- Employee Information
- Income
- Assets
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 Educational Systems FCU chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Educational Systems FCU 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 our affiliates and 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 non-affiliates to market to you | No | We do not share |
To opt out of receiving marketing materials call us at 301.779.8500, visit a branch or mail your request along with your full name, account number, address and phone number to:
Educational Systems FCU
Attention: Marketing
PO Box 179
Greenbelt, MD 20768-0179
Please note that there may be a delay between the time we receive your request and the time your information is removed from future marketing distributions.
Who is providing this notice?
Educational Systems Federal Credit Union
What we do
How does Educational Systems FCU 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 and secured files and buildings.
Educational Systems FCU regularly tests and assesses its information security measures, trains employees and adapts upgrades and enhancements as necessary to protect your information.
How does Educational Systems FCU collect my personal information?
We collect your personal information, for example, when you do the following:
- Open an account
- Pay your bills
- Apply for a loan
- Provide employment information
- Use your credit card or debit card
We also collect your personal information from others, such as the Credit Union Bureaus and other affiliates and companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only the following:
- 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 non-financial companies.
- Support Education Foundation, Inc.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
- Educational Systems FCU does not share with non-affiliates to market to members except under a joint marketing agreement with the Credit Union.
Joint marketing
A formal agreement between non-affilated financial companies that together market financial products or services to you.
- Our joint marketing partners we share with can include insurance, investment and other financial services.
Other important information
Educational Systems FCU is committed to protecting the privacy of its members. To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality and limits the information we provide. We do not permit companies to sell the information we provide to other third parties.
If you believe we have made an error on your consumer credit report, notify us in writing immediately explaining the error. In the letter, please provide your full name, account number, address, phone number and supporting documentation to substantiate the error. You can mail your letter and supporting documentation to:
Educational Systems FCU
Attention: Member Solutions Center
PO Box 179
Greenbelt, MD 20768-0179