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Privacy Statement

FACTS	WHAT DOES LYNROCTEN 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 Lynrocten Credit Union’s Privacy Policy. At Lynrocten, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Lynrocten Credit Union. This notice explains what types of member information we collect and under what circumstances we may share it.
WHAT?	The types of personal information we collect and share depend on the accounts or services you have with us. This information can include: Name, address, Social Security number and income Account balances and transaction history Credit history and credit scores When you are no longer our member, we will not share your information except as permitted or required by law as described in this notice.
HOW?	All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons we can share members' personal information; the reasons Lynrocten chooses to share; and whether you can limit sharing.

FACTS

WHAT DOES LYNROCTEN 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 Lynrocten Credit Union’s Privacy Policy.

At Lynrocten, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Lynrocten Credit Union. This notice explains
what types of member information we collect and under what circumstances we may share it.

WHAT?

The types of personal information we collect and share depend on the accounts or services you have with us. This information can include:

Name, address, Social Security number and income

Account balances and transaction history

Credit history and credit scores

When you are no longer our member, we will not share your information except as permitted or required by law as described in this notice.

HOW?

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

Reasons we can share your personal information	Does Lynrocten 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	No	We don't share
For non-affiliates to market to you	No	We don't share

Questions?

Call 434-847-8679, send us an email at lynroctenfcu@mindspring.com Or write to us at: Lynrocten Federal Credit Union P. O. Box 980 Lynchburg, VA 24505

What we do

How does Lynrocten 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 also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products and services to you.
How does Lynrocten Credit Union collect my personal information?	We collect your personal information, for example, when you open an account or apply for a loan apply for any credit union service when you send us an email use your debit card or pay your bills make deposits to or withdrawals from your accounts We also collect your personal information from others, including credit bureaus and other companies.
Why can’t I limit all sharing?	Federal law only gives you the right to limit information sharing as follows: 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

Definitions

Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include Insurance Services
Non-Affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Lynrocten Federal Credit Union does not share with non-affiliates so they can market to you, except for our joint Marketing arrangements.
Joint marketing	A formal agreement between the two parties. Our joint marketing partner is Cuna Mutual Insurance Company MemberConnect