Federal Privacy Policy

What Does MyPoint Credit Union Do With Your Personal Information?

Rev. Date 12/20

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 depend on the product or service you have with us. This information can include: Social security number Account transactions Account balances Payment history Income Credit history
How?	All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information, the reasons MyPoint Credit Union chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does MyPoint Credit Union Share?	Can You Limit This Sharing?
For our everyday business 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	Yes
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We Do Not Share
For our affiliates to market to you	No	We Do Not Share

Who is providing this notice? MyPoint Credit Union To limit our sharing: Call 888-495-3400 - our menu will prompt you through your choice(s) Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call 888-495-3400
What We Do
How does MyPoint Credit Union protect my 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 MyPoint Credit Union collect my information?	We collect your personal information, for example, when you Open an account or apply for a loan Driver's license information or pay your bills Use your credit or debit card 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 to you Sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. (See below for more on your rights under state law.)
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on the account unless you tell us otherwise.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. CO-OP Financial Services, LLC
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. MyPoint Credit Union does not share with our 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. Our joint marketing partners include providers of financial products and services such as investment and insurance products.

Other Important Information
California law, under the California Financial Information Privacy Act (also known as SB1), provides that a consumer has the right to control the sharing of personal and financial information with outside companies the financial institution contracts with to provide financial products and services. This state requirement varies from the federal requirements described above and is outlined in the separate notice titled "Important Privacy Choices for Consumers" included with this notice. To exercise your right, please refer to this separate notice.

Other Important Information

California law, under the California Financial Information Privacy Act (also known as SB1), provides that a consumer has the right to control the sharing of personal and financial information with outside companies the financial institution contracts with to provide financial products and services. This state requirement varies from the federal requirements described above and is outlined in the separate notice titled "Important Privacy Choices for Consumers" included with this notice. To exercise your right, please refer to this separate notice.