Privacy Disclosure
What does Northern States Power (NSP) 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, 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 services 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 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 NSP chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
For our everyday business purposes
to process your transactions, maintain your account, respond to court orders and legal investigations, and report to credit bureaus
Does NSP share?
Can you limit this sharing?
For our marketing purposes
to offer our products and services to you
Does NSP share?
Can you limit this sharing?
For joint marketing with other financial companies
Does NSP share?
Can you limit this sharing?
For our affiliates’ everyday business purposes
information about your transactions and experiences
Does NSP share?
Can you limit this sharing?
We don’t share
For our affiliates’ everyday business purposes
information about your creditworthiness
Does NSP share?
Can you limit this sharing?
We don’t share
For nonaffiliates to market to you
Does NSP share?
Can you limit this sharing?
We don’t share
Do you have questions?
What we do
How does NSP 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.
How does NSP 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, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit sharing only for:
- affiliates’ everyday business purposes-information about your creditworthiness
- affiliates to market to you
- nonaffiliates to market to you
State laws and individual companies may give you additional.
Definitions
Affiliates
Companies related to common ownership or control. They can be financial and nonfinancial companies.
- NSP has no affiliates
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Non affiliates we share with can include EFT processors (credit/debit), financial statement publishers or printers, consumer reporting agencies, data processors, and check printers
Joint marketing
A formal agreement between nonaffiliates financial companies that together market financial products or services to you.
- Our joint marketing partner include insurance companies