|FACTS||What does Spero Financial 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 depends on the products or services you have with us. This information can include: |
|How?||All financial companies need to share member’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member’s personal information; the reasons Spero Financial chooses to share; and whether you can limit this sharing.|
|To limit our sharing:||Call us toll-free at 800-922-0446. |
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 our member, we continue to share your information as described in this notice. You can contact us at any time to limit our sharing.
|Questions:||Call us toll-free at 800-922-0446.|
|What we do?|
|How does Spero Financial 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 secure files and buildings.|
|How does Spero Financial collect my personal information?||We collect your personal information, for example, when you: |
We may also collect your personal information from others, such as credit bureaus or other companies.
|Why can't I limit all sharing?||Federal law gives you the right to limit only: |
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 choices will apply to everyone on your account.|
|Other Important Information|
|Telephone Communications||All telephone communications with us may be monitored and/or recorded.|
|Mobile Apps||The Spero Financial Credit Card Mobile App and Spero Financial FCU Mobile App periodically collect, transmit, and use geolocation information for enabling features such as, but not limited to, card use and alerts to prevent fraudulent activities, but only if the end user expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while feature(s) are being used or not at all, depending on the end user’s selection. The end user can change his/her/their location permissions at any time in their device settings.|