Privacy Policy & Website Link Disclosure Facts What does Innovations 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 account balances account transactions and checking account information credit card or other debt and transaction history When you are no longer our member, we continue to share your information as described in this notice. How? All financial companies need to share members' personal information to run their everday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons Innovations Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Innovations 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 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 creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For our nonaffiliates to market to you	No	We don't share

Questions?

Call 850-233-4400

What we do

How does Innovations 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 safegaurds and secured files and buildings. Innovations Federal Credit Union maintains physical, electronic, and procedural safegaurds that comply with federal standards to guard members' nonpublic personal information.

How does Innovations Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

• open an account or apply for a loan
• make a wire transfer or give us your contact information
• 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 yout creditworthiness
• affiliates from using your information to market to you

State law 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 nonfinancial companies.

• Innovations Federal Credit Union has no affiliates

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

• Nonaffiliates we share can include insurance companies, securities broker-dealers, government agencies, plastic card processors (credit/debit/ATM), financial statement publishers or printers, mailhouse, mortgage service companies, consumer reporting agencies, data processors, check/share draft printers, and direct marketing companies.

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

• Our joint marketing partners include advertising/marketing agencies, CUNA Mutual Group's MEMBERCONNECT, credit card companies, and financial advisors.

Member NCUA Institution • sparkingchange.com