Privacy

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
• Transaction or loss history
• Credit history
• Credit scores
• Checking account information

How?

All financial companies need to share members' personal information to run their everyday business. In the tabs below, we list the reasons financial companies can share their members' personal information; the reasons Everwise chooses to share; and whether you can limit this sharing.

Call Toll-free (800) 552-4745 - to speak to a representaitve
Visit us online: www.everwisecu.com

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.

Call toll-free (800) 552-4745 or go to www.everwisecu.com.

Who is providing this notice?

Everwise Credit Union or Everwise means the following institutions: Everwise Credit Union, Everwise Agency, LLC and Everwise Lending Agency, LLC.

How does Everwise 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.

We limit employee access to information where appropriate and maintain other physical, electronic, and procedural safeguards.

How does Everwise Credit Union collect my personal information?

We collect your personal information, for example, when you:

• Open an account
• Apply for a loan
• Make deposits or withdrawals from your account
• Tell us about your investment or retirement portfolio
• Provide account information or show your driver's license

 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 nonaffiliates to market to 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.

Affiliates - Companies related by common ownership or control. They can be financial and non-financial companies.

• Our affiliates include:
  • Companies with an Everwise Credit Union name

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

• Everwise Credit Union does not share with nonaffiliates so they can market 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 Securities Broker Dealers, Insurance or Title Insurance Companies or Agencies, Trust Companies, Real Estate Agencies or Private Label Credit Card Issuers.

For Alaska Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For 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 share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.