Privacy Notice


Facts	What does the United Federal Credit Union 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 • Account Balances • Payment History • Credit History • Overdraft History • Checking Account History When you are no longer a member, we continue to share your information as described in this notice.
How?	All financial companies need to share member's financial information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information; the reasons The United Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does The United Federal 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	No	We don't share


Questions?	Call 304.598.5010


What We Do


How does The United Federal 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 The United Federal Credit Union collect my personal information?	We collect your personal information for example, when you • Open an account • Apply for a loan •Apply for insurance • 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 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.


Definitions


Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. • The United Federal Credit Union does not share with nonaffiliates so they can market to you.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. • The United Federal Credit Union does not share with nonaffiliates so they can market to you.
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 insurance companies