PRIVACY POLICY

FACTS – What Does Nova UA 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 and Payment History
• Account balances and Account History
• Checking Account Information and Wire Transfer Instructions

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 Nova UA Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information

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.
Does Nova UA Federal Credit Union Share? – Yes
Can You Limit this Sharing? – No

For our Marketing Purposes – to offer our products and services to you.
Does Nova UA Federal Credit Union Share? – Yes
Can You Limit this Sharing? – No

For Joint Marketing with Financial Companies
Does Nova UA Federal Credit Union Share? – Yes
Can You Limit this Sharing? – No

For our Affiliates’ Everyday Business Purposes ­ information about your transactions and experiences.
Does Nova UA Federal Credit Union Share? – No
Can You Limit this Sharing? – We Don’t Share

For our Affiliates’ Everyday Business Purposes – information about your creditworthiness.
Does Nova UA Federal Credit Union Share? – No
Can You Limit this Sharing? – We Don’t Share

For our Affiliates to Market to You
Does Nova UA Federal Credit Union Share? – No
Can You Limit this Sharing? – We Don’t Share

For Non-Affiliates to Market to You
Does Nova UA Federal Credit Union Share? – No
Can You Limit this Sharing? – We Don’t Share

What We Do

How does Nova UA 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.

How does Nova UA Federal Credit Union collect my personal information? – We collect your personal information, for example, when you

• Open an account or apply for a loan
• Pay your bills or make a wire transfer
• Use your credit or debit 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 non-affiliates 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 non-financial companies.

• Nova UA Federal Credit Union does not have affiliates

Non-Affiliates – Companies not related by common ownership or control. They can be financial and non-financial companies.

• Nova UA Federal Credit Union does not have non-affiliates

Joint Marketing – A formal agreement between non-affiliated financial companies that together market financial products or services to you.

• Nova UA Federal Credit Union has a joint marketing agreement with our insurance company, CUNA Mutual Insurance Group.

Questions? – Call 1-888-226-5853 or go to www.novafcu.com

Other Important Information – Periodically, our insurance company, CUNA Mutual Insurance Group, will mail you information about their insurance products. They will provide you with the option to “opt-out” of their future mailings.