Privacy Policy

Facts	What does Freedom Community Credit Union do with your Personal Information?
Why?	Financial companies choose how they share your personal information. Federal and state law gives consumers the right to limit some but not all sharing. Federal and state 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 services 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 close your account, we continue to share information about you according to our policies.
How?	All financial companies need to share customers’ personal information to run their everyday business—to process transactions, maintain customer accounts, and report to credit bureaus. In the section below, we list the reasons financial companies can share their customers’ personal information; the reason FCCU chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does FCCU share?
For our everyday business purposes To process your transactions, maintain your account and report to credit bureaus	Yes
For our marketing purposes To offer our products and services to you	Yes
For Joint Marketing with other financial companies	No
For our affiliates’ everyday business purposes Information about your transactions and experiences	No
For our affiliates’ everyday business purposes Information about your creditworthiness	No
For our affiliates to market to you	No
For non-affiliates to market to you	No

Sharing Practices
How often does FCCU notify me about their practices?	We must notify you about our sharing practices when you open an account and each year while you are a customer.
How does FCCU 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 FCCU 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 debit card We also collect your personal information from others, such as credit bureaus, affiliates (if applicable), or other companies.
Why can’t I limit all sharing?	Federal and state law gives you the right to limit sharing only for: Affiliates’ everyday business purposes – information about your creditworthiness Affiliates to market to you Non-affiliates to market to you North Dakota State law and individual companies may give you additional rights to limit sharing so that the credit union cannot participate in joint marketing arrangements.

Definitions
Everyday business purpose	The actions necessary by financial companies to run their business and manage customer accounts such as: Processing transactions, mailing, and audit services Providing information to credit bureaus Responding to court orders and legal investigations
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. FCCU does not share with affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. FCCU 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. FCCU does not participate in joint marketing agreements.