Facts: What Does St. Thomas 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 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 St. Thomas Federal Credit Union chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
| Reasons we can share your personal information | Does the 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 | 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 DON'T SHARE |
| For our affiliates' everyday business purposes - Information about your transactions and experiences | NO | WE DON'T SHARE |
| For our affiliates' everyday business purposes - Information about your creditworthiness | NO | WE DON'T SHARE |
| For our affiliates to market to you | NO | WE DON'T SHARE |
| For our non-affiliates to market to you | NO | WE DON'T SHARE |
Questions? Call (340) 774-1299 or visit our website contact page.
What We Do
How does St. Thomas Federal 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 St. Thomas Federal 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 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 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. St. Thomas Federal Credit Union has no affiliates.
Non-Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. St. Thomas Federal Credit Union does not share with non-affiliates so they can market to you.
Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. St. Thomas Federal Credit Union doesn’t jointly market.
Our Online Privacy Practices
Keeping financial and personal information secure is one of our most important responsibilities. St. Thomas Federal Credit Union is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.
Information We Collect Online
When you visit our website, we may automatically collect certain information about your device and browsing activities, including:
- IP address
- Browser type and version
- Operating system
- Pages viewed and time spent on pages
- Date and time of visits
- Referring website
- Device identifiers
Google Analytics
We use Google Analytics, a web analytics service provided by Google LLC, to help us understand how visitors use our website and to improve our online services. Google Analytics uses cookies and similar technologies to collect and analyze information about website usage.
Information Collected by Google Analytics:
- Pages visited and navigation patterns
- Time spent on pages and bounce rates
- Geographic location (country, region, city)
- Device and browser information
- Traffic sources and referral information
- Session duration and user engagement metrics
Google Analytics does not collect personally identifiable information unless you voluntarily provide it. The information collected is transmitted to and stored by Google on servers in the United States and other countries.
Data Retention
We have configured Google Analytics to retain data for 26 months, after which it is automatically deleted.
Opt-Out Options
You can opt out of Google Analytics tracking by:
- Installing the Google Analytics Opt-out Browser Add-on: https://tools.google.com/dlpage/gaoptout
- Adjusting your browser settings to block or delete cookies
- Using browser privacy features or “Do Not Track” settings
For more information about how Google uses data collected through Google Analytics, please visit: https://policies.google.com/technologies/partner-sites
Secure Transmissions
To ensure information remains confidential, St. Thomas Federal Credit Union uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.
Cookies
A cookie is a small piece of information that a website stores directly on the computer you are using. Cookies may contain a variety of information from a simple count of how often you visit a website to information which allows customization of a website for your use. St. Thomas Federal Credit Union uses cookies to gather data about the usage of our website and to ensure that you have access to your account information. Anytime a cookie is used, personal information is encrypted for our use only and is protected from third party access (a cookie cannot be read by a website other than the one that sets the cookie).
You can control cookie preferences through your browser settings. Note that disabling cookies may affect certain website functionality, including access to online banking services.
Email Security
Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number, PIN, or even phone numbers through unsecured email. We ask that you do not send personal or account information through regular email. St. Thomas Federal Credit Union provides a form for sending an email to which the credit union will respond to in a more secure manner, found under the “Contact Us” link on our website.
Linking to Other Sites
To provide you with easy access to information, St. Thomas Federal Credit Union may provide links to other websites such as mortgage companies, insurance companies, government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and St. Thomas Federal Credit Union does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by St. Thomas Federal Credit Union. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.
Your Rights and Choices
Marketing Communications
You may opt out of receiving marketing communications from St. Thomas Federal Credit Union by:
- Contacting us directly at (340) 774-1299
- Visiting our website at www.stthomasfcu.com
- Following opt-out instructions in our communications
Please note that even if you opt out of marketing communications, we may still send you important account-related notices and information required by law.
Access to Your Information
You have the right to request access to the personal information we hold about you. To request access or correction of your information, please contact us using the information provided below.
Children's Privacy
Our website and services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete it promptly.
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods vary based on the type of information and applicable legal requirements mandated by federal banking regulations.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the updated policy on our website with a new “Last Updated” date. Material changes will be communicated to our members in accordance with federal law requirements.
Accessibility
St. Thomas Federal Credit Union strives to ensure that its website and services are accessible to people with disabilities. We have invested resources to help ensure that our website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
Our website makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows us to improve our compliance with the Web Content Accessibility Guidelines (WCAG 2.0). The accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner of the page.
If you are experiencing difficulty with any content on our website or require assistance with any part of our site, please contact us and we will be happy to assist.
Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
St. Thomas Federal Credit Union
Allen A. Canton Building
5027 Norre Gade
St. Thomas, VI 00802-6749
Phone: 1-340-774-1299
Email: memberservices@sttfcu.net
Website: www.stthomasfcu.com
Regulatory Information
St. Thomas Federal Credit Union is federally insured by the National Credit Union Administration (NCUA). If you have concerns about our privacy practices that we have not addressed, you may contact:
National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314
Website: www.ncua.gov
Acknowledgment
By using our website and services, you acknowledge that you have read and understood this Privacy Policy and agree to its terms. This policy complies with federal privacy laws including the Gramm-Leach-Bliley Act and applicable regulations governing financial institutions.