Privacy Policy

FACTS
WHAT DOES GREATER SPRINGFIELD 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:
o   Social Security Number and  Checking account information                 
o   Account Balancesand Account transactions
o   Transaction or loss history and Overdraft history
 
HOW?
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 Greater Springfield Credit Union chooses to share; and whether you can limit this sharing.
 
Reasons we can share your personal information
Does GRSCU share?
Can you limit this sharing?
For 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 other financial companies
No
We do not share
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 our affiliates to market to you.
NO
We do not share
For non- affiliates to market you.
No
We do not share.
 
 
Questions?
Call (413) 782-3161 or go to www.grscu.org or by mail at 1030 Wilbraham Road, Springfield, MA 01109.
 
What we do
How does GRSCU 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 GRSCU collect my personal information?
We collect your personal information, for example, when you;
o   Open an account or Apply for a loan
o   Provide account information
o   Provide mortgage information
o   Share your driver’s license
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
o   Sharing for affiliate’s everyday business purposes – information about your creditworthiness.
o   Affiliates from using your information to market to you.
o   Sharing for non-affiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.
 
Definitions
Non-affiliates
Companies not related by ownership or control. They can be financial or non-financial companies.
o   Greater Springfield Credit Union does not share with non-affiliates so they can market to you.
 
 
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
o   Our joint marketing partners include credit card companies.
 
Other Important Information
For Massachusetts Members – WE will not share personal information from deposit or share relationships with non-affiliates either for them to market to your or for joint marketing – without your authorization. State Law – If you give us written permission to share information about your electronic fund transfers, such permission will expire after 45 days.