PRIVACY & DISCLOSURES

U.S. Consumer Privacy Notice
Information you provide to North Star Credit Union when you apply for or obtain a product or service is governed by our Privacy Notice. This Privacy Notice describes how we use and share your personal and non-public information.

Rev. 2/2023

FACTSWHAT DOES NORTH STAR 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 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
HOW?All financial companies need to share customers’ personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their
customers’ personal information; the reasons North Star Credit Union
chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your InformationDoes North Star Credit Union 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		YesNo
For our marketing purposes-
to offer our products and services to you		YesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes information about your transactions and experiencesYesNo
For our affiliates’ everyday business purposes-
information about your creditworthiness		NoN/A
For our affiliates to market to youYesYes
For nonaffiliates to market to youNoN/A
To Limit Our Sharing■ Call 218-666-5940 -our menu will prompt you through your choice(s)
■ Visit us online: www.northstarcreditunion.org
■ Mail the form below
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we
sent this notice. When you are no longer our customer, 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 218-666-5940 or go to www.northstarcreditunion.org

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Mail in FormMark Any/All You Want to Limit
Leave Blank ORO Do not share information about my creditworthiness with your affiliates for their everyday use
Who We Are
Who is providing this notice?North Star Credit Union
What We Do
How does North Star 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 and secured files
and buildings.
How does North Star Credit Union
collect my personal information?		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.
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.
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
AffiliatesCompanies related by common ownership or control. They can be
financial and nonfinancial companies.
NonaffiliatesCompanies not related by common ownership or control. They can be
financial and nonfinancial companies.

■ North Star Credit Union does not share with non-affiliates so that
they can market to you.
Joint marketingA formal agreement between nonaffiliated financial companies that
together market financial products or services to you.

■ Our joint marketing partners include insurance companies and other
financial service companies
Other important Information

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Download Privacy Policy

Additional Disclosures

Visa Credit Card Application

Rates + Fees

Additional Privacy Policy for North Star Credit Union App:

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Mobile App Solutions

North Star Credit Union’s mobile apps, which includes online banking and the Visa credit card app, may periodically collect, transmit, and use geolocation information for enabling features such as, but not limited to, card use and alerts to prevent fraudulent activates, but only if the end user expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the feature(s) are being used or not at all, depending on the end user’s selection. The end user can change his/her/their location permissions at any time in their device settings.

When you use the North Star Credit Union mobile application to perform payments and similar funds transfers, you may authorize the credit union and its service provider to access your contact list names, email addresses and phone numbers on the mobile app and your mobile device to facilitate your transactions. We will always ask for your permission before accessing your contact data for these transactions.

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