Privacy & Security Policy

Notice of Your Financial Privacy Rights

This is our privacy notice for our members. When we use the words you and your we mean the following types of members:

• All of our consumer members who have a continuing relationship with us, such as:
• Deposit Accounts
• Loan Account(s)
• Credit Card
• Self-directed Individual Retirement Account where we act as custodian or trustee
• All IRA accounts for which we act as custodian

We will tell you the sources for nonpublic personal information we collect on our members. We will tell you what measures we take to secure that information. We first define some terms.

• We, our, and us mean UNICORP Federal Credit Union.
• Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
• An affiliate is a company we own or control.
• A non-affiliated third party is a company that is not an affiliate of ours.

The Information That We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with non-affiliated third parties
• Information from a consumer reporting agency
• We do not disclose any nonpublic personal information about you to anyone, except as authorized by law.

The Confidentiality, Security, and Integrity of Your Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Nonpublic Personal Information and Other Parties

We do not disclose your nonpublic personal information to anyone, except as permitted by law or as disclosed in this disclosure.

Nonpublic Personal Information and Former Members

We do not disclose nonpublic personal information about former members except as permitted by law.

Authorized Sharing - Outside Marketing Services

We may disclose the following information to companies that perform marketing services on our behalf:

Nonpublic personal information we receive from you on an application or other forms, such as:

• Name
• Address

You do not have a right to opt out of the disclosure of this information.

Types of Businesses
Here are the types of businesses with whom we may disclose nonpublic personal information for outside marketing purposes:

• Service providers that perform marketing services for us
• Direct mail companies

Reasons for Disclosing
Here is why we may disclose nonpublic personal information about you to companies that perform marketing services on our behalf:

• To provide our members with information about additional products and services

Limitations on Disclosure
Here are the limitations we impose on the use of nonpublic information disclosed to companies that perform marketing services on our behalf:

• We only allow direct mail solicitations
• We do not allow telephone solicitations

Authorized Sharing - Joint Marketing

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Nonpublic personal information we receive from you on an application or other forms, such as:

• Name
• Address

You do not have a right to opt out of the disclosure of this information.

Exceptions:
We do not share this information about members who reside in Alabama, Alaska, Idaho, North Dakota, or Vermont.

We do not share any information derived from share (deposit) relationships with us about members who reside in Massachusetts, Mississippi, or New Jersey.

Types of Businesses
Here are the types of businesses with whom we may disclose nonpublic personal information under this section:

• Financial service providers, such as insurance companies

Reasons for Disclosing
Here is why we may disclose nonpublic personal information about you to other financial institutions with whom we have joint marketing agreements:

• To provide our members with information about additional products and services

Limitations on Disclosure
Here are the limitations we impose on the use of nonpublic information disclosed to other financial institutions with whom we have joint marketing agreements:

• We only allow direct mail solicitations
• We do not allow telephone solicitations

Security Policy

When opening a new account, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This is done to help the government fight the funding of terrorism and money laundering activities.

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.