Privacy Policy

Our Privacy Pledge. Trust has always been the foundation of our relationship with members. To preserve your trust, Sooper Credit Union pledges to protect your privacy by adhering to the privacy practices in this policy. When you provide personal information to process your transaction, you fully expect your data to be used only for its intended purposes and to be kept confidential. This Privacy Policy describes the practices followed by the credit union and explains what type of member information we collect and under what circumstances we may share it. This Privacy Policy supersedes any prior policy that we have previously issued.

Member Information Required for Opening New Accounts. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask you your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Member Information We Collect. Sooper Credit Union collects only relevant information about members that is needed to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal and financial information about you (member information), which is "nonpublic." The member information we collect varies depending on the accounts and services you request and use. We collect information about you from the following sources:

• Application Information. We retain personal information we receive from you on any application you provide to us for membership, deposit account, electronic funds transfer (EFT) services, loans, financial planning, securities, insurance, or other credit union services. This information includes: name, address, e-mail address, social security number, birth date, phone number, employment and financial status, and credit history.

• Your Transactions. Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, insurance transactions, transactions through mONey LINE, over the phone or at a branch we retain the transaction information, including: your account number, the date, amount, location of the transaction, and other pertinent information. Our affiliate may also provide us with reports on your securities and insurance transactions.

• Credit Reports. When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. We retain the personal and credit history information about you and we may use it to evaluate future account service requests.

• Online. We obtain information online when you visit our website, www.soopercu.org. This includes retaining information you provide us on any online application, mONey LINE transaction or information you send to us by e-mail.

Member Information We Share. In order to provide financial services to you, we share certain information about you with third party service providers. However, we only share information to the extent necessary to service your account or offer new services to you. If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience. Information we may have about former members is generally only shared or disclosed if necessary to enforce or administer an account or as required by law.

Sharing Information with Third Party Service Providers. In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share information with our service providers, including: data processing companies, check, ATM and other payment processing companies, payment networks, loan service providers, collection agencies, credit reporting agencies, financial planners, securities brokerage, and insurance companies, and financial service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed in writing to keep the member information we provide to them confidential. We share the following categories of information to third party service providers depending on the specific services provided:

• Personal information (name, address, SSN, account number, etc.)

• Account information (type of accounts, account balances, transaction history, etc.)

• Transaction information (dates, amounts, locations, type of transaction, etc.)

We do not sell member information nor share your account numbers with independent third party marketers offering their products and services. While we may assist in offering financial products and services of our financial service providers, we control the member information used to make such offers.

Sharing Information as Legally Required or Permitted. We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.

Our Confidentiality and Security Safeguards. We maintain strict policies and security controls to assure that member information in our computer systems and files is protected. Our employees are permitted access to member information that they may need to perform their jobs and to provide service to you. Our employees have access to such member information as necessary to conduct a transaction or respond to your inquiries. All employees are trained to respect member privacy. No one except our employees has regular access to the Sooper Credit Union's computer system and records storage. Sooper Credit Union has established internal security controls, including physical, electronic, and procedural safeguards to protect the information you provide us and the information we collect about you. We will continue to review our internal security controls to safeguard your member information as we employ new technology in the future.

Online Privacy Protections. At our website, www.soopercu.org you may apply for accounts and services and you may communicate with us via e-mail. To protect the information you provide us online, we use multiple levels of security. The application information we accept online and our home financial service relies on industry standard “Secure Sockets Layer” (SSL) encryption to secure your transaction information and communication. We may gather information about which pages of our website our visitors browse. This enables us to track how a visitor navigates through the site areas in which they show interest. We gather information about the use of our site, but we do not gather personally identifiable information. We use this information to better serve you. When you visit our website, you can access site information without revealing your personal identity. However, in order to help us identify you for future site visits, we use “cookies” to track your visit. Cookies are small text files assigned and attached by a web server to the directory file on your PC. Cookies help websites recognize return visitors. So, when you return to a website that you have visited before, your browser gives this data back to the server. We use cookies to make your online experience easier and more personalized in the following way: the internet banking service places a cookie on your PC when you log in. It is a cookie that holds a unique number that identifies you only to our server. It holds no personal information but it is used to authenticate your internet banking access. Various pages on our website also place cookies on your PC when you visit those pages. The purpose of those cookies is to track activity and usage patterns on the site. These cookies are not personally identifiable.

What Members Can Do To Help. You can take steps to protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. In particular, never keep your PIN with your debit card or credit card, as that makes you vulnerable in the event you lose your card or your card is stolen. Use caution in revealing your account numbers, social security numbers, etc. to other persons. In particular, if a caller tells you he/she is calling you on behalf of Sooper Credit Union and asks for your account number, you should beware. Legitimate credit union staff would already have access to that information. It is important that Sooper Credit Union has current information about how to reach you. If we detect potentially fraudulent use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

Protecting Children's Information Privacy. Our online financial services are not designed for or directed toward children. We do not knowingly solicit or collect personally identifiable data from children. We recognize that protecting children's identities and online privacy is important and that responsibility rests with us and with parents.

Privacy Policy Inquiries. We reserve the right to amend this Privacy Policy at anytime and will notify you as required by law. If you have any questions about our privacy practices, please contact us by calling (303) 986-7500, sending us an e-mail at webmaster@soopercu.org or writing to us at Sooper Credit Union, 5590 W. Evans, Denver, CO 80227.