Privacy Notice
Rev. 01/2020
WHAT DOES BRIGHTSTAR CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
- Social Security number
- Account balances
- Payment history
- Credit history
- Credit scores
- Overdraft history
Reasons We Can Share Your Personal Information
| Reasons we can share your personal information | Does BrightStar Credit Union 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 | No |
| For our affiliates' everyday business purposes — information about your transactions and experiences | No | We don’t share |
| For our affiliates' everyday business purposes — information about your creditworthiness | No | We don’t share |
| For nonaffiliates to market to you | Yes | Yes |
To Limit Our Sharing
Mail the opt-out form to:
BrightStar Credit Union
Attn: Privacy
P.O. Box 8966
Ft. Lauderdale, FL 33310
Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions? Call 954-486-2728
What We Do
How does BrightStar 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 maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does BrightStar Credit Union collect my personal information?
We collect your personal information, for example, when you:
- Open an account
- Pay your bills
- Make deposits or withdrawals from your account
- Give us your contact information
- Show your driver's license
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 only:
- 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. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
| Affiliates | Companies related by common ownership or control. They can be financial and non-financial companies. BrightStar Credit Union has no affiliates. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and non-financial companies. Nonaffiliates we share with can include Insurance Companies. |
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include Credit Card Companies and Direct Marketing Companies. |
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Members: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing — without your authorization.
For California Members: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing — without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Members: We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing — without your authorization.
For Vermont Members: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing — without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.