Privacy Policy
At Servus Credit Union, protecting your privacy is fundamental to the trust you place in us. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you become a member and use our financial products and services. Our practices comply with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and all applicable state privacy laws.
Servus Credit Union collects personal information to deliver the financial products and services you request. This includes information you provide on membership applications, loan applications, and account opening forms. We also collect information from your transactions with us — account balances, payment history, and account usage patterns. Additionally, we may obtain information from consumer reporting agencies and other third-party verification services to establish and maintain your accounts.
We collect information from the following sources: applications and forms you complete, your transactions and account history with us, consumer reports from credit bureaus, verification services that confirm your identity and employment, and online banking activity including login records and feature usage. Servus Credit Union uses this information to process applications, service accounts, comply with legal and regulatory requirements, protect against fraud, and improve our products and services.
In Context
Servus Credit Union does not sell your personal information to third parties. We share information only as permitted by law. This includes sharing with companies that perform services on our behalf — such as check printing, statement processing, and data processing — who are contractually bound to protect your information. We may also share information with regulatory authorities, law enforcement, and credit bureaus as required by law.
When you use Servus Credit Union online banking, we collect technical information such as your IP address, browser type, operating system, and device identifiers. This information helps us maintain the security of your account and improve the digital banking experience. We use cookies and similar technologies to recognize your device, remember your preferences, and analyze site traffic. You can manage cookie preferences through your browser settings, but disabling cookies may affect the functionality of online banking.
Data Categories and Uses
| Data Category | Examples | How We Use It |
|---|---|---|
| Identification Data | Name, address, SSN, date of birth, driver\'s license | Account setup, identity verification, legal compliance |
| Financial Data | Account balances, transaction history, credit reports | Loan underwriting, account servicing, fraud detection |
| Contact Data | Email, phone number, mailing address | Account communication, alerts, member support |
| Employment Data | Employer, income, occupation, length of employment | Loan applications, credit decisions |
| Technical Data | IP address, browser, device type, login timestamps | Security monitoring, platform improvement |
| Usage Data | Feature usage, page views, transaction patterns | Service optimization, member experience enhancement |
Your Privacy Rights and Choices
As a member of Servus Credit Union, you have several rights regarding your personal information. You may request access to the information we maintain about you by submitting a written request to any branch or mailing it to our compliance department. You have the right to request corrections to inaccurate information. You may opt out of certain types of information sharing with non-affiliated third parties, subject to legal exceptions. Your opt-out choice remains in effect until you revoke it in writing.
Servus Credit Union takes reasonable steps to verify your identity before providing access to your personal information. We may request additional documentation if we cannot verify your identity through standard means. We will respond to your request within thirty days, or notify you if additional time is needed. There is no fee for submitting a privacy-related request. Members who believe their privacy rights have been violated may file a complaint with the credit union and with the Consumer Financial Protection Bureau at consumerfinance.gov.
Information Security and Retention
Servus Credit Union maintains comprehensive safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These include encrypted data transmission, firewalls, intrusion detection systems, access controls based on job function, and regular security training for all employees. Third-party service providers are required by contract to maintain equivalent security standards.
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, or as required by law. When information is no longer needed, it is securely destroyed or anonymized. Account records are generally retained for seven years after account closure to comply with federal recordkeeping requirements. For more information about how we protect your information, visit the Safety page.
Changes to This Privacy Policy
Servus Credit Union may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or operational needs. When material changes are made, we will notify members through account statements, email, or a notice on our website. The effective date at the top of this policy indicates when it was last updated. We encourage members to review this policy periodically to stay informed about how we protect their information.
If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact Servus Credit Union by phone at (970) 482-3100, by visiting any branch location, or by writing to our compliance office. We are committed to addressing your questions and resolving any concerns about the privacy and security of your personal information. For more details on federal privacy protections, visit the Federal Trade Commission website at ftc.gov.
Frequently Asked Questions About Privacy
- What personal information does Servus Credit Union collect?
- Servus Credit Union collects information you provide on applications and forms, including your name, address, Social Security number, income, employment details, and transaction history. We also collect information from consumer reporting agencies and verification services.
- Does Servus Credit Union share my information with third parties?
- Servus Credit Union shares information only as permitted by law — to process transactions, maintain accounts, comply with legal requirements, and with your consent. We do not sell your personal information to third parties for marketing purposes.
- How does Servus Credit Union protect my personal information?
- Servus Credit Union protects your information with encryption, access controls, secure data centers, employee training, and third-party security audits. We maintain physical, electronic, and procedural safeguards that comply with federal regulations.
- Can I opt out of information sharing with Servus Credit Union?
- Yes. Members may opt out of certain information sharing with non-affiliated third parties by contacting us at (970) 482-3100 or visiting any branch. Opt-out choices remain in effect until you revoke them in writing.
Online Tracking and Cookies
Servus Credit Union uses cookies and similar tracking technologies on our website and online banking platform. Essential cookies are required for the website to function and cannot be disabled. Analytics cookies help us understand how visitors use our site so we can improve it. Preference cookies remember your settings and choices. You can control non-essential cookies through your browser settings, but please be aware that disabling cookies may limit your ability to use certain features of online banking.
We do not use tracking technologies that collect personal information across third-party websites for behavioral advertising purposes. Servus Credit Union respects Do Not Track signals from your browser. When we detect a Do Not Track signal, we limit our use of analytics cookies. For questions about our use of cookies, contact our privacy team at any branch.