Consumer Privacy Notice

FACTS WHAT DOES STAR FINANCIAL BANK 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 what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • account balances and payment history
  • credit history and credit score
How? All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons STAR Financial Bank chooses to share; and whether you can limit this sharing.

Reason we can share your personal information Does STAR Financial Bank 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 Yes
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 Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes Yes
To limit our sharing
  • Call 888-395-2447 or
  • Visit us online: starfinancial.com/contact-us
Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, 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 888-395-2447 or go to starfinancial.com/contact-us
Who we are
Who is providing this notice? STAR Financial Bank

What we do
How does STAR Financial Bank 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.
How does STAR Financial Bank collect my personal information?
We collect your personal information, for example, when you

  • open an account or apply for a loan
  • use your credit/debit card or pay your bills
  • make deposits or withdrawals from your account
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.
What happens when I limit sharing for an account I hold jointly with someone else?
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 STAR Insurance Agency
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • non affiliates we share with could include mortgage companies, insurance companies and direct marketing 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

Other important information
Do Not Call Policy. This notice is the STAR Financial Bank Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. Consumers who ask not to receive telephone solicitations from STAR Financial Bank will be placed on the STAR Financial Bank Do Not Call List and will not be called in any future campaigns, including those of STAR Financial Bank affiliates. If you communicate with us by telephone, we may monitor or record the call.


Rev. 10/2016