PRIVACY POLICY

Facts — What does Lighthouse Federal Credit Union 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 and name
• Name and address
• Account balances and payment and credit history with Lighthouse Federal Credit Union

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 Lighthouse Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Lighthouse Federal 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	No
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	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don’t share

To limit our sharing

Visit us online: www.lighthousecu.org
Please note:
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a member, 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 888.436.1847 or go to www.lighthousecu.org

Who we are

Lighthouse Federal Credit Union

What we do

How does Lighthouse 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.
This includes asking for certain information to identify a member who is transacting business or inquiring via telephone, online or in person.

How does Lighthouse Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

• Apply for a membership or use Online Bill Pay
• Apply for a loan or deposit money
• Use your credit or debit card

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 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 your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.
Lighthouse Federal Credit Union has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

• Lighthouse Federal Credit Union shares with non affiliates such as insurance companies and investment services.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include cooperatives.

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 from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.

For Vermont Members.

• We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
• Additional information concerning our privacy policies can be found at www.lighthousecu.org or call 888.436.1847.