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Privacy Policy

Facts: WHAT DOES BALL STATE FEDERAL CREDIT UNION (BSFCU) 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 Ball State Federal Credit Union’s Privacy Policy.

At Ball State Federal Credit Union, 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 BSFCU. This notice explains what types of member information we collect and under what circumstances we may share it.

What?

The types of personal information we collect and share depend on the accounts or services you have with us. This information can include:

  • Social Security number
  • Account balances and transaction history
  • Credit history

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.

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 BSFCU chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does BSFCU 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 Yes
For our affiliates’ everyday business purposes—
information about your transactions and experiences
 Yes Yes
For our affiliates’ everyday business purposes—
information about your creditworthiness
 No We don’t share
For our affiliates to market to you— Yes Yes
For our non-affiliates to market to you—  Yes Yes
To limit our sharing Call (765)-741-2728
Come into one of our offices
Mail in the form below
Questions? Call 765-741-2728.

What We Do

How does Ball State 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. 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.

How does Ball State Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

  • open an account or apply for a loan
  • apply for any credit union service
  • You visit our website; provide us information on any online application or transaction, or information you send to us by email.
  • use your credit or debit card or pay your bills
  • make deposits to or withdrawals from your accounts

We also collect your personal information from others, including credit bureaus or other companies.

Why can’t I limit all sharing?

Federal law only gives you the right to limit information sharing as follows:

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit my sharing on a Joint Account?

Your choice will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include financial companies such as MFDC and its partners

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Ball State Federal Credit Union does not share with nonaffiliates so they can market to you, except for our joint marketing arrangements.

Joint marketing

A formal agreement between BSFCU and a nonaffiliated financial company where we jointly market financial products or services to you.

Our joint marketing partners include financial service providers.

Click here to download the Mail in Form.