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Online Privacy Policy

Smart Financial recognizes that a key concern of our Members is the use of their information once it has been collected and the original transaction completed.

Smart Financial uses the information only to the extent necessary to carry out our daily business activities and to provide services and other opportunities of interest to our Members.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. To do so, we have entered into agreements with other companies that provide either services or additional financial products to us for you to consider.

Under these arrangements, we may disclose all the information we collect, as described below, to companies that perform marketing and other services on our behalf. To protect our Members' privacy, we will only work with companies that follow strict confidentiality requirements and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.

We highly value the privacy of your financial and personal information. If you have any questions, please contact us at (713) 850-1600 or (800) 392-5084.

Information We Collect

We collect the following nonpublic information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf.

From Membership and loan applications and other forms, we obtain information such as your name, address, social security number and income.

From information obtained in transactions between Smart Financial and other companies because of providing you products and services. This includes transaction information from share drafts (checks), debit cards, credit cards, automated teller machine (ATM) cards, and electronic transfers (for example, automated clearinghouse (ACH) transactions).

From consumer reporting agencies, we obtain information such as your credit worthiness and credit history.

From verifications of information you provide on applications and other forms, we obtain information from current or past employers, other financial institutions and other sources listed on the application.

How Collected Information is Used

We may disclose all the nonpublic information we collect to:

  • Companies that perform marketing services on our behalf
  • Financial service providers such as mortgage brokers, security brokers/dealers, and insurance agents.
  • We may also disclose information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of Smart Financial, follow your instructions as you provide authorizations, or protect the security of our financial records.
  • If you terminate your Membership with Smart Financial, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who a have a specific business purpose in using your data. Our employees are trained in the importance of maintaining confidentiality and Member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

Looking Out for Children

We do not knowingly market to or solicit information from children under 13 without parental consent. We recognize that protecting children's identities and privacy online is important, and that the responsibility to do so rests with both the online industry and with parents. Smart Financial’ s website and online services are not directed to children under the age of 13, nor is information knowingly collected from children under the age of 13.

Should we receive information (name, address, email, account number, telephone, social security number) from a child known to be under 13, the information will only be used to respond directly to the child, seek parental consent, or provide parental notice.

While Smart Financial works to protect your personal information, you also have responsibility.

We recommend that minors ask their parents for permission before sending any information about themselves to anyone over the Internet.