Privacy Notice

Universal 1 Credit Union, your member owned financial institution, is committed to providing you financial products and services designed to meet your needs and reach your financial goals. We are equally committed to protecting our members’ privacy. It is the credit union's intent to comply with all applicable laws and regulations concerning the treatment of both member and non-member information, and to educate our members as to their privacy rights under law and their responsibilities to safeguard their financial information. You can be confident that your financial privacy is a priority of this Credit Union. We are required by law to give you this privacy notice to explain how we collect, use, and safeguard your personal financial information. If you have any questions, please contact Universal 1 Credit Union at 937/225-6800 or 800/762-9555.

Information We Collect And Disclose About You
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms;
• Information about your transactions with us or others;
• Information we receive from a consumer reporting agency;
• Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.

We may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the member information we provide to other third parties.

In order to conduct the business of the Credit Union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our Credit Union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with Universal 1 Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

How We Protect Our Young Members
In an effort to ensure we protect users of all ages, we follow the requirements of the Children's Online Privacy Protection Act (COPPA).

Links to Third-Party Sites
Universal 1 Credit Union protects all information we collect about our members. We cannot guarantee you are afforded the same privacy protection at other sites. We strongly urge you to review their privacy policy when visiting those sites. They may use cookies, collect data, and gather or solicit personal information.

Cookies
In order to provide quality member service and an efficient web site, we may use "cookies". A "cookie" is a small text file placed on your hard drive by our web server. We use this to determine if you are a first-time visitor or a return user. If you wish, you may set your web browser to notify you before a cookie is placed on your computer. This allows you the opportunity to decline the placement of the cookie. However, you must accept the cookie when you enter areas such as home banking or where you are able to customize or edit the information you see. This is necessary for security and site administration.

What You Can Do to Help Protect Your Privacy
Universal 1 Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the Credit Union and asks for your account number, you should beware. Official Credit Union staff will have access to your information and will not need to ask for it.
• Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

If you have questions concerning this notice, please do not hesitate to contact us—we are here to serve you.