Privacy Policy

FACTS	WHAT DOES ACCENTRA 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 customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Accentra Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Accentra Credit Union share?	Can you limit this sharing?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 our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?	Call 1-800-533-0448 or 507-433-1829 or go to www.accentracu.org

Who we are
Who is providing this notice?	Accentra Credit Union

What we do
How does Accentra 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 Accentra Credit Union collect my personal information?	We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan 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 nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What we do

How does Accentra 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 Accentra Credit Union collect my personal information?

We collect your personal information, for example, when you

open an account or deposit money
pay your bills or apply for a loan
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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Accentra Credit Union has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Accentra 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 TruStage.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Accentra Credit Union has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Accentra 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 TruStage.

Other important information
For Vermont Borrowers: We may share with our joint marketing providers loan information and information provided on product applications. We restrict access to nonpublic personal information about you to only employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with state and federal regulations to guard your nonpublic personal information. For California Borrowers: If you are a California resident, state law gives you additional rights to limit information sharing, even if this type of sharing is otherwise permitted by federal laws. Accentra Credit Union allows you to limit our sharing of your nonpublic personal information under a joint marketing agreement with joint marketing partners. If you are a resident of California, we have enclosed a form entitled, “Important Privacy Choices for Consumers” which outlines and provides details on how you can limit our sharing under California state law.

Other important information

For Vermont Borrowers: We may share with our joint marketing providers loan information and information provided on product applications. We restrict access to nonpublic personal information about you to only employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with state and federal regulations to guard your nonpublic personal information.

For California Borrowers: If you are a California resident, state law gives you additional rights to limit information sharing, even if this type of sharing is otherwise permitted by federal laws. Accentra Credit Union allows you to limit our sharing of your nonpublic personal information under a joint marketing agreement with joint marketing partners. If you are a resident of California, we have enclosed a form entitled, “Important Privacy Choices for Consumers” which outlines and provides details on how you can limit our sharing under California state law.

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