Privacy Policy

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 do collect and share depend on the product or service you have with us. This information can include:

• Social Security number • income

• account balances • payment history

• transaction history • credit history

How?

All financial companies need to share member's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member's personal information; the reasons Telhio Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information:

Does Telhio 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

Yes

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 nonaffiliates to market to you

No

We don't share

To limit our sharing

Call 614-221-3233- our menu will prompt you through your choice(s) or visit us online: telhio.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 our 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 614-221-3233 or go to telhio.org

Who we are

Who is providing this notice?

Telhio Credit Union

What we do

How does Telhio 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.

How does Telhio Credit Union collect my personal information?

We collect your personal information, for example, when you

• open an account or deposit money

• pay your bills or apply for a loan

• 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 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.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our affiliates include the following company: Telhio Financial Services

Nonaffiliates

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

• Telhio 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 insurance and credit card companies.

Other important information

Please contact us at anytime regarding the sharing of your information.