We recognize the importance of maintaining the confidentiality of your personal financial information.
Star One Credit Union’s (Star One) Privacy Policy addresses key information about Star One’s practices in collection and protecting the privacy of your personal information under federal law (Gramm- Leach-Bliley Act “GLBA” & CFPB Regulation P), California law (California Consumer Privacy Act of 2018 “CCPA”) and California Privacy Rights Act (“CPRA”).
You have specific rights under both federal and California law and these rights are disclosed separately in the Federal law and California law sections below.
Star One does not sell any member’s personal information to any third party. However, credit bureaus or other third parties involved in your loan application may share some of your personal information in accordance with their own privacy policies. Please consult the privacy policies of these third parties for further 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 Star One’s Privacy Policy.
At Star One, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Star One. This notice explains what types of member information we collect and under what circumstances we may share it.
The types of personal information we collect and share depend on the accounts or services you have with us. This information can include:
When you are no longer our member, we will not share your information except as permitted or required by law 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 Star One chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information | Does Star One 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 | Yes | No |
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 nonaffiliates to market to you | No | We don't share |
Call 866.543.5202 or 408.543.5202, send us an email at service@starone.org or write to us at: Star One Credit Union, PO Box 3643, Sunnyvale, CA 94088-3643.
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. We also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you.
We collect your personal information, for example, when you
We also collect your personal information from others, including credit bureaus or other companies.
Federal law only gives you the right to limit information sharing as follows:
However, we do not have any affiliates with whom we share any information.
Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
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Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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Joint marketing |
A formal agreement between Star One and a nonaffiliated financial company where we jointly market financial products or services to you.
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Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.
Personal Information. Under California law your “Personal Information” includes the following data that identifies, relates to or may be associated with you:
Personal information also includes information that is identifiable to your household.
We collect the categories of personal information listed above when you: visit our website or submit an online application, conduct any branch, mail or online transaction, use the Personal Finance Manager program or send us an e-mail, or phone inquiry.
We may use each category of personal information we collect for the following purposes:
We have never sold and we will not sell any of your personal information to anyone.
We may share your personal identifiable information with (1) our third-party service providers and payment processor to facilitate your services or transactions, (2) our third party service providers who support us with our analysis of your account and service use, or (3) other financial companies with whom we have a joint marketing agreement that protects your personal information.
We will retain your personal information so long as we need to use such information to maintain your account and services and as otherwise required by law, subject to your right request us to delete your personal information.
You have a right to access your personal information that we have collected. Upon your request by mail, email or in person to Star One, we will disclose any of the following information requested:
You have the right to request that we delete personal information about you that we have collected. Upon your verifiable request by mail, email or in person to Star One, we will delete the information and direct our service providers to delete the information from its records unless we or service provider needs the personal information. The following are the exceptions where Star One and our service providers need the personal information to maintain and service your account and cannot delete the information:
You have the right to request Star One to correct any personal information of yours that is inaccurate.
Sensitive Personal Information. Under California law your “Sensitive Personal Information means Personal Information that reveals information about your:
We may use each category of sensitive personal information we collect for the following purposes:
We may share your sensitive personal identifiable information with 1) our third-party service providers and payment transaction processors to facilitate your services or transactions, or 2) other financial companies with whom we have a joint marketing agreement that protects your sensitive personal information.
We will retain your sensitive personal information so long as we need to use such information to maintain your account and services and as otherwise required by law, subject to your right request us to delete your sensitive personal information.
You have the right to request Star One to limit the use and disclosure of the following sensitive personal information of yours for purposes other than what is reasonable and beneficial to you: precise geolocation data; racial and ethnic origin; union members; contents of certain email or text messages, and biometric information.
You have the right to receive equal service and pricing from us even if you choose to exercise any of your privacy rights. We will not discriminate against you for exercising any of the consumer’s rights, including:
You have the right to opt-out of Star One’s use of automated decision-making technology, such as automated loan approvals or other automated Star One marketing offers.
You may submit your requests to Star One as follows:
You may designate an authorized agent to submit requests on your behalf by providing us with your written authorization of the agent and nature of your request.
We will verify your request by using our current authentication practices including matching the identity information you provide with your request with your personal information we maintain on file.
Use of Cookies. Star One uses cookies when you visit our website. These cookies are essential for enabling user movement around our website and providing access to features such as your member-only resources, online banking, and other secure areas of the website. These cookies do not gather information about you that could be used for marketing to you and do not remember where you have been on the internet and Star One does not track or sell this data. This category of cookies cannot be disabled.
California Do Not Track Disclosures. Certain web browsers offer a “Do Not Track” (DNT) option that permits users to select a preference not to have information about web browsing activities monitored and collected. Our website will not honor DNT signals from you and we will not monitor or collect information of your browsing activity.
Our Privacy Policy is posted on our website www.starone.org.
You can reach us: Toll-free at (866) 543-5202 or (408) 543-5202.
Amendments to Privacy Policy. Star One may update this Privacy Notice at any time to reflect changes in our business, legal or regulatory requirements. If we may make any material changes to this Privacy Notice we will notify you before the changes are effective by mail or email if you have chosen email communication. Any changes to this Privacy Notice will be effective on the date we designate as the effective date or as required by law. Please visit https://www.starone.org/privacy/ for our current Privacy Notice.