Privacy Policy

FACTS	WHAT DOES O AND R UTILITIES EFCU DO WITH YOUR PERSONAL INFORMATION?

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 balances Payment history Transaction or loss history Credit history Employment history When you are no longer our member, we continue to share your information as described in this notice.
How?	All 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 O and R Utilities EFCU chooses to share; and whether you can limit this sharing.

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Reasons we can share your personal information	Does O and R Utilties EFCU 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 to 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	Yes	No
For our affiliates’ everyday business purposes – information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes – information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We don’t share
For nonaffiliates to market to you –	No	We don’t share

Questions?	Call 845-774-0831 or go to www.orutilfcu.org/

Who we are
Who is providing this notice?	O and R Utilities EFCU means O and R Utilities Employees Federal Credit Union.

What we do
How does O and R Utilities EFCU 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 O and R Utilities EFCU collect my personal information?	We collect your personal information, for example, when you: Apply for a loan Provide employment information Give us your employment history Apply for Financing Provide Account information
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 nonaffiliates to market to you State law and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Deﬁnitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. • O and R Utilities EFCU has no affiliates
Nonafﬁliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. • O and R Utilities EFCU does not share with nonaffiliates so they canmarket to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include credit card companies and insurance companies

Other important information
For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. For Vermont Members. We will not share personal information with nonaffiliates either for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.

Other important information

For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. For Vermont Members. We will not share personal information with nonaffiliates either for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.