Privacy Policy

Notice of Your Financial Privacy Rights

We, our, and us, when used in this notice, mean Winthrop- University Hospital Employees Federal Credit Union. This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members:

• Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):
    -  Share account
    -  Loan account
    -  Self-directed Individual Retirement Account

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options. We first define some terms.

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. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control. A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party." Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION WE COLLECT
We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to 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 to protect this information.

YOUR INFORMATION AND OTHER PARTIES
We may disclose information to other parties. Here are the kinds of information we disclose to these other parties:

• Information you give us on an application or other forms, such as:
    -  Name
    -  Address

You may opt out of the disclosure of the information listed above.

Types of Other Parties
We may disclose information about you to the following types of other parties:

• Businesses offering nonfinancial products or services, such as:
    -  Direct marketers

We may also disclose information about you to other parties as permitted by law.

Reasons For Disclosing
We may disclose information about you to other parties to provide you with information about additional products and services

INFORMATION ABOUT FORMER MEMBERS
We do not disclose information about former members, except as permitted by law.

AUTHORIZED SHARING - JOINT MARKETING
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Information you give us on an application or other forms, such as:

• Name
• Address
• Social Security Number
• Date of birth
• Information about your transactions with us, such as:
    -  Types of accounts
    -  Telephone number
• Gender

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. However, we will allow you to opt out of the disclosure of this information.

Types of Businesses
We may disclose information pursuant to joint marketing agreements to the following types of businesses:

• Financial service providers, such as:
    -  Insurance agents

Reasons For Disclosing
We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION
Other Parties. If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your right to "opt out." Joint Marketing. We have explained the kinds of information we may disclose to other financial institutions with whom we have joint marketing agreements. We will allow you to opt out of the disclosure of this information. If you prefer that we do not disclose information to those financial institutions with whom we have a joint marketing agreement (or to any outside marketing firm used in connection with such an agreement), you may opt out of those disclosures, that is, you may direct us not to make those disclosures.

Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.

If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service. If you wish to opt out of the disclosure of your information, you may do so by checking the appropriate box(es) on this Opt Out Notice and returning it to us at this address:

Winthrop-University Hospital Employees Federal Credit Union
259 First Street
Mineola, New York 11501-3957