Novation Credit Union by its members and run by a volunteer Board of Directors you elect. You can be confident that your financial privacy is a top priority. This notice describes the privacy policy and practices we follow and explains how we collect, use and safeguard your personal financial information. If you have any questions, please contact a Financial Service Associate at 651-739-8080 or 800-369-6628.

Novation Credit Union is committed to providing you with competitive services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. To achieve this m we have entered in to agreements with other companies that provide either services to us or additional financial products or services for you to consider.

Under these arrangements, we disclose all of the information we collect, as described below, to companies that perform services on our behlaf or to other financial institutions with whom we have joint marketing agreements. To protect your 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 or share the information with other parties.

Information We Collect and Disclose About You
We collect the following non public personal information about you from a variety of sources and may disclose all the information we collect to companies that perform services on our behalf or to other financial institutions with whom we have joint marketing agreements:
· From membership and loan applications and other forms, we obtain information such as name, address, Social Security number and employment.
· From your transactions with us or other companies that work closely with us to provide financial services, we obtain information such as your account balances, payment history, parties to transactions, and credit card usage.
· From consumer reporting agencies we obtain information such as your credit worthiness and credit history.
· From verification of information you provide on applications and other forms, we obtain in formation from current or past employers, other financial institutions and other sources listed on the application.

We may share information with affiliates of the credit union such as a mortgage processor; however, the information shard will be limited to our transactions and experiences with you and any information necessary to complete a transaction initiated by you.

We may also disclose information we collect 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 Novation 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 lending industry practices to safeguard your nonpublic personal information.

What You Can Do to Help Protect Your Privacy
Novation Credit Union is committed to protecting your privacy. You can help by following these simple guidelines.
· Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords.
· Use caution when disclosing your account numbers, Social Security number, etc, to other persons. The staff of Novation Credit Union will never call you to ask for your account number and PIN.
· Keep your information current. It is important that we know how to reach you. If we detect potentially fraudulent or unauthorized activity on an account, we will attempt to contact you. If your address or phone number changes, please let us know.

Future Affiliations and the Right to Opt Out
Novation Credit Union reserves the right to enter into relationships with nonaffiliated third parties to further enhance the services we provide, such as investment planning services. In doing so, we may disclose nonpublic personal information about you to these companies. As of the effective date of this policy the credit union has no relationships of this kind nor any plans to enter into one. In the event that we did enter into such a relationship, if you prefer that we dot not disclose nonpublic personal information about you to such nonaffiliated third parties (other that those permitted by law), you may opt out of those disclosures by doing one of the following:
· Call a Financial Service Associate at 651-739-8080 or 800-369-6628
· Contact us via email at info@novation.org
Once we receive your request, we will act as quickly as possible to stop disclosures. You may opt out of these disclosures that we make to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with us. You may always contact us for assistance if you wish later to revoke your opt out election.
For a joint account, any one of you may exercise the right to opt out, even if you are not actually a member of the credit union. Novation Credit Union will treat an opt out request from any one party to an account as if all account holder directed us to not make disclosures to nonaffiliated third parties to which the opt out right applied.

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