PRIVACY POLICY

FACTS	WHAT DOES SWEMP FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORAMATION
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 depends on the product or service you have with Us. This information can include: Social Security number and credit scores account balances and transaction history credit history and payment history
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 SWEMP Federal Credit Union chooses to share, and whether You can limit this sharing.
Reasons We can share Your personal information	Does SWEMP Federal Credit Union Share?	Can You limit this sharing?
For Our marketing 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	NO	NO
For Our affiliates' everyday business purposes - information about Your transactions and experiences	NO	NO
For Our affiliates' everyday business purposes - information about Your creditworthiness	YES	YES
For Our affiliates to market to You	NO	NO
For non-affiliates to market to You	NO	WE DON'T SHARE
To limit Our sharing	Mail the form below, or

	call 903-793-2274
Questions	call 903-793-2274

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Mail-in Form

Mark the information You want to limit:

Do not share information about my creditworthiness with affiliates for their everyday business purposes.

Do not allow affiliates to use my personal information to market to me.

Name Address

City, State Zip Account Number(s) Phone Numbers

Mail to:

SWEMP FEDERAL CREDIT UNION

601 Olive St

Texarkana, Tx 75501

903-793-2274

What We do

How does SWEMP Federal 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 SWEMP Federal Credit Union collect my personal information?

We collect Your personal information, for example, when You:

use Your debit card or deposit money
show Your government issued ID
pay Your bills or apply for financing

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 You
sharing for non-affiliates to market You

State laws and individual companies may give You additional rights to limit sharing

What happens when I limit sharing for an Account I hold jointly with someone else?	Your choices will apply to everyone on Your account
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non- financial companies.
Non-Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies SWEMP Federal Credit Union does not share with non-affiliates so they can market You.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial companies. Our joint marketing partners include categories of companies, such as advertising and marketing agencies and insurance companies.

The Credit Union is committed to meeting all the financial needs of its members without compromising the valued relationship we have with our members. The Board of Directors, management and staff of the Credit Union acknowledge that our member’s trust and confidence in the Credit Union is one of our highest priorities. In their daily transactions and dealings with us, our members furnish us sensitive and confidential information. We are committed to protecting our member’s privacy and it is our stated intent to comply with the NCUA Privacy Rules and other applicable privacy provisions.

To ensure that our members continue their trust in our Credit Union, we adopt the following policy:

The Credit Union shall comply with all NCUA Privacy Rules and all applicable state privacy laws affecting us. The manager shall be responsible for ensuring that all Directors, management, and staff are properly trained in the various privacy laws affecting the Credit Union. The manager shall continuously monitor privacy regulations.

No Credit Union employee shall request information from a member unless that information is necessary to conduct or complete a transaction, process an application, or is for business purposes.

The Credit Union shall only disclose the information it collects from its members and former members to affiliates of the Credit Union, transaction processors, other financial institutions, other service providers of the credit union, and those parties allowed by law, in accordance with 12 CFR Parts 716.13, 716.14, and 716.15.

The Credit Union shall enter into joint agreements with other financial institutions and services providers to ensure that those parties follow our strict confidentiality procedures and do not use our member’s personal information for any purposes other than the purpose of our agreement with them.

The Credit Union shall restrict access to our member’s information to those who need to know that information to provide products or services. The Credit Union shall maintain physical, electronic, and procedural safeguards that comply with federal and state regulations in order to protect our member’s personal information.