Privacy Notice

rev. 11/12

What Does Ascentra 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 and income.
Account balances and payment history.
Credit history and credit scores.

When you are no longer our member, we continue to share your information as described in this notice.

How

All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information, the reasons Ascentra Credit Union chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information	Does Ascentra 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 non-affiliates' to market to you.	No	We don't share

Who is providing this notice?
Ascentra Credit Union
How does Ascentra 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.
How does Ascentra Credit Union collect my personal information?
We collect your personal information, for example, when you
- Open an account or apply for a loan
- Make a wire transfer or pay us by check
- Use your Debit Card or Credit Card
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 nonaffiliated to market to you
State laws and individual companies may give you additional right to limit sharing.

Definitions

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. Ascentra Credit Union has no affiliates.

Non-affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. Ascentra Credit Union does not share with non-affiliates so they can market to you.

Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance companies, credit/debit card processors and check printing companies.