What Does Union Pacific Streamliner Federal Credit Union (UPSFCU) 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 accounts or services you have with us. This information can include:
- Social Security Number and income
- Account balance and payment history
- Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons UPSFCU chooses to share; and whether you can limit this sharing.
|Reason we can share your personal information||Does UPSFCU 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 maketing purposes - to offer our products and services to you||Yes||No|
|For joint marketing with other financial companies||No||We do not share|
|For our affiliates' everyday business purposes - information about your transations and experiences||Yes||No|
|For our affiliates' everyday business purposes - information about your creditworthiness||Yes||We do not share|
|For non-affiliates to market to you||Yes||We do not share|
|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|
Call us at 402-544-2500 or toll-free at 800-370-2260, or visit us online at www.upcu.org.
Who We Are
Who is providing this notice?
Union Pacific Streamliner Federal Credit Union
What We Do
How does UPSFCU 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, secured files and buildings, procedural safeguards and safe record storage. We will continue to review and modify our security controls in the future to deal with changes in products, services and technology.
How does UPSFCU 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, including credit bureaus or other companies.
Why can’t I limit all sharing?
Federal law only gives you the right to limit:
- 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.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial or nonfinancial companies
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our marketing partners include:
Biometric Data Privacy Disclosure
Scope and Overview
This Biometric Data Privacy Disclosure (BDPD) outlines how Union Pacific Streamliner Federal Credit Union, our vendors, and/or the licensor of our member verification software processes biometric data collected from you for identity verification and fraud prevention purposes.
Biometric Data Defined
As used in this BDPD, biometric data includes “biometric identifier” and “biometric information.” “Biometric identifier” means a retina or iris scan, fingerprint, voiceprint or scan of hand or face geometry. As the term is used in this BDPD, the photograph you upload to the software for use in the biometric algorithm is considered a “bio- metric identifier.” “Biometric data” means any information, regard- less of how it is captured, converted, stored or shared, based on an individual’s biometric identifier used to identify an individual.
Disclosure and Authorization of the BDPD
To the extent that we, our vendors, and/or the licensor of our mem- ber verification software collect, capture or otherwise obtain bio- metric data relating to a member, we must first:
- Inform each member that we, our vendors, and/or the licensor of our member verification software are collecting, capturing or otherwise obtaining the member’s biometric data, and that we are providing such biometric data to our vendors and the licensor of our member verification software;
- Inform the member of the specific purpose and length of time for which the member’s biometric data is being collected, stored, and used; and
- Receive consent by the member authorizing us, our vendors, and/or our member verification software to collect, store, and use the member’s biometric data for the specific purposes disclosed by us, and for us to provide such biometric data to our vendors and the licensor of our member verification software.
We, our vendors, and/or the licensor of our member verification software will not sell, lease, trade or otherwise profit from members’ biometric data; provided, however, that our vendors and the licen- sor of our member verification software may be paid for products or services used by us that utilize such biometric data.
This BDPD is intended to comply with all federal, state, and local laws.
Purpose for the Collection of Biometric Data
We, our vendors, and/or the licensor of our member verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.
We will not disclose or disseminate any biometric data to anyone other than our vendors and the licensor of our member verification software without/unless:
- First obtaining member consent to such disclosure or dissemination;
- The disclosed data completes a financial transaction requested or authorized by the member;
- Disclosure is required by law or ordinance; or
- Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.
We will use a commercially reasonable standard of care to store, transmit and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure will be performed in a manner that is the same as or more protective than the manner in which we store, transmit and protect from disclosure other confidential and sensitive information, including personal in- formation that can be used to uniquely identify an individual or an individual’s account or property, such as genetic markers, genetic testing information, account numbers, PINs, driver’s license num- bers and social security numbers.
We will retain member biometric data only until, and will request that our vendors and the licensor of our member verification soft- ware permanently destroy such data when, the first of the following occurs:
- The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of member identity;
- Request of member to destroy the biometric data; or
- Within 30 days of member’s provisioning of biometric data.
If you have any questions about our use, storage or security of your biometric data you can contact us at:
Biometric Information Member Consent
As outlined in the BDPD, you understand and consent to the col- lection, use, retention, storage, and/or disclosure or re-disclosure of data or images from biometric verification technology by us, our vendors, and/or the licensor of our member verification software. You acknowledge that you have been given a copy of the BDPD, or that the BDPD has been made accessible to you, and you have had an opportunity to review it and request any additional infor- mation concerning our procedures and safeguards for collecting, maintaining, using, disclosing, sharing, storing, and/or destroying this data.