North Star Community Credit Union is committed to providing you with financial products and services to meet your needs and help you reach your financial goals. We care about you, your right to privacy, and the confidentiality of your personal information whether it is collected from you or others or whether it is collected in a branch, over the telephone, by an ATM, or through any of our on-line services or other services. Our desire to offer diverse and competitive financial services and products requires relationships with other companies to deliver them to you.

Sharing information with other companies allows us to offer products such as credit cards, share drafts, and on-line financial services. While we might share personal information, we always protect your privacy and use your information in a manner consistent with your expectations.

We are required by law to give you this privacy notice. What follows is a description of the information we collect and disclose, including the parties who receive nonpublic information from us, as permitted by law, to conduct the business of the credit union. After reading this notice, if you have any questions please contact us at 1-800-848-5731 (Cherokee Office) or 1-800-297-5059 (Ida Grove Office).

Categories of Information We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others;
• Information we receive from a consumer reporting agency;
• Information on other forms and messages or e-mails received from you such as your name, address, (including e-mail address), birth date, income, social security number;
• Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.

We may disclose all of the information we collect, as described above.

Categories of Information We Disclose and Parties to Whom We Disclose

We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law.

We do not sell any information relating to our members. In order to serve our members better and offer your diverse products and services, we may share all the information described above with the following types of third parties:

Companies that assist us in administering and bringing you our products and services. The information shared with these companies typically includes information to process transactions on your behalf, conduct our operations, follow instructions as you authorize or protect the security of our financial records. These companies may include check and statement printing companies and data processing vendors;

Business with who we have a joint marketing agreement and we partner with to offer a broader array of products and services. These businesses typically include financial companies, such as insurance companies and mortgage services companies;

Companies that perform marketing services on our behalf;

Non-financial companies, such as consumer reporting agencies and retailers; and

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Disclosure of Information to Parties That Provide Services to Us

We may disclose all of the information we collect, as described above, to the companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. We only work with companies who agree to maintain strong confidentiality protections and limit the use of information we provide.

Disclosure of Information About Former Members

If you decide to terminate your membership with North Star Community Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

Confidentiality and Security

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. As a condition of employment, our employees sign a confidentiality statement concerning your nonpublic personal information.

How You Can Help Protect Your Privacy

North Star Community Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

Protect your account numbers, card number, PINs (personal identification numbers) and passwords. Never keep you PIN with your ATM card, Debit card or Credit Card which can provide free access to your accounts if your card is lost or stolen. In addition secure your login ID and passwords for on-line access to your accounts to prevent unauthorized access.

Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should be very cautious. Official credit union staff will have access to your information and will not need to ask for it.

Destroy pre-approved credit card offers, receipts, and other information that could link your name to your account numbers.

Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone numbers changes, please let us know.

Use your own computer to access any on-line service where you are required to enter your user name and a password or use your credit cards. Other computers may have programs installed on them that capture your information.

Use virus-checking (anti-virus) software on your computer and update it frequently. Some viruses can capture important information stored on you computer such as passwords of documents and send them to someone else. For further protection, do not open e-mails from unknown sources.

Change your passwords regularly.

Remember to Exit or Log Off when you have completed any on-line sessions.

Let us know if you have questions. Please do not hesitate to call us-we are here to serve you.