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.
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What does North Star Credit Union do with your personal information?
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.
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, credit history, payment history, and credit scores.
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 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 our affiliates to market to you
- For nonaffiliates to market to you
Does North Star Credit Union have to share? Yes, with the exception of: For our affiliates’ everyday business purposes-information about your credit worthiness. This is not applicable.
Can you limit this sharing? You can for our affiliates to market with you. For nonaffiliate to market to you this is not applicable.
To Limit Sharing: Call 218-666-5940 -our menu will prompt you through your choice(s)
Visit us online: www.northstarcreditunion.org
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.