Online Privacy and Security Statement

Unity One Credit Union is a better choice among financial institutions. We take the privacy of our members and other visitors to this Web Site very seriously. Therefore, we have adopted the following statements regarding privacy.

E-Mail

We will occasionally ask for your e-mail address. Giving us your e-mail address is completely voluntary; however, when sending feedback and survey information, we will need it to respond to your comments. We may occasionally send you an e-mail informing you of an upcoming promotion or special you may be interested in. We will not send out random, junk e-mail (or SPAM), and we will never sell, give, or disclosed your e-mail address to any outside party.

Member Number, User Password

For access to Express Online Banking, you will need to set up a password connected to your member number if haven't already done so. Your User Password is encrypted when sent and is not shared or reviewed.

Express Online Banking and Other Applications

All sensitive transactions use Secure Socket Layer (SSL) encrypted network transmissions. We utilize 128-bit VeriSign digital encryption. Physical access to critical systems and network components is limited to specifically authorized personnel.

Web Site Traffic Reporting

Unity One Credit Union collects information on domain names and dates and times of Web Site visits. This information allows us to track Web Site use, measure site traffic, and improve site navigation and information. This information is never sold, given, or disclosed to third parties.

Links to Other Sites

Our Web Site may contain links to other Web Sites. Unity One Credit Union is not responsible for the privacy practices or the content of the linked Web Sites and encourages visitors to read the privacy statement of all linked Web Sites to become acquainted with their specific privacy practices.

Cookies

To enhance the personalization and performance of a customer's experience, Unity One Credit Union may utilize cookies (very small files that a Web Site sends to the customer's browser for record-keeping purposes). Cookies function as identification cards, recording passwords and preferences. Cookies cannot be executed as code or deliver viruses. Browsers can be set to deliver a message when a cookie has been sent, allowing the customer to decide whether to accept or reject it. In order to tailor Web Site content to our customer's interests, all cookies must be accepted. All of our cookies are temporary, which means that they are active only as long as the customer's browser is running and are deleted when the session has ended.

Feedback or Questions Regarding Online Privacy? For questions and comments regarding this privacy statement, please contact: Internet and Technology Dept., Unity One Credit Union, 6701 Burlington Blvd., Ft. Worth, TX 76131 or use our email form.

Privacy Policy

Unity One Credit Union is committed to providing you with financial products and services to meet your needs and help you reach your financial goals. We understand our responsibility in protecting our members' private information. We want to protect the personal and financial information that you have entrusted to us. In compliance with the National Credit Union Administration's Privacy of Consumer Financial Information Regulation we have adopted the following privacy notice.

What follows is a description of the information we collect and disclose, including the parties who receive nonpublic information from us as we conduct the business of the credit union. This notice also explains your right to inform us if you do not want us to disclose certain information about you to other parties.

If after reading this notice you have any questions, please contact us at (800) 628-5517.

Information We Collect About You

We collect information about you from the following sources:

Information we receive from you on applications and other forms;

• Information about your transactions with us, or others including those companies that work closely with us to provide you with diverse financial products and services;
• Information we receive from credit reporting agencies;
• Information obtained when verifying the information you provide on an application or other form(s) (this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions); and information we may obtain from consumer purchasing and census data providers to develop competitive marketing programs for our members.

We may disclose all of the information we collect, as described above.

Parties Who Receive Information from Us

We may disclose nonpublic personal information about you to the following types of third parties:

Financial companies, such as insurance companies, securities brokers and mortgage service companies; and Non-financial companies, such as, consumer reporting agencies, companies that provide the credit union with mailing services and retailers.

Unity One does not sell or share member information with nonaffiliated third party marketers offering their products and services. While we may offer financial products and services of our affiliates or third parties, we control the member information used to make such offers.

Disclosure of Information to Parties that Provide Services to Us

We may disclose all of the information we collect, as described above to the companies that perform marketing or other services on our behalf or to other institutions with whom we have joint marketing agreements. We only work with companies who agree to maintain strong confidentiality protections and limit the use of information we provide. As a result of these arrangements, we may disclose all of the information we collect, as described above. We may also disclose information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, to conduct the operations of our credit union, to follow your instructions as you authorize, or to protect the security of our financial records.

Disclosure of Information About Former Members

If you decide to terminate your membership with Unity One Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How to Stop or "Opt Out" of Certain Disclosures

Unity One does not now, nor does it presently intend in the future, to disclose any personal financial information to any non-affiliated party. If we were to ever change this practice, you may direct us not to make those disclosures (other than disclosures permitted by law as listed below).

If you wish to opt out of disclosures to nonaffiliated third parties, you may call the following toll-free number, (800) 628-5517. You may opt out of these disclosures at any time. If you opt out you may not receive offers for other products we might offer in the future that may be of value to you.

Once we receive your request, we have a reasonable amount of time to stop the disclosures. You may always contact us for assistance if you wish to later revoke your opt out election.

Note that this opt out will not apply to information sharing practices that are legally permitted, such as:

• If the transaction, service, or product is requested or authorized by you;
• To maintain or service your savings and/or loan accounts;
• To disclose information necessary to enforce the credit union's legal or contractual rights or the rights of any other person who is engaged in the financial transaction.
• To provide information to organizations or agencies that is assessing the credit union's compliance with industry standards such as the credit union's attorneys, accountants, and auditors.
• Third party financial companies that have joint marketing agreements with us.
• To the extent permissible under the Right to Financial Privacy Act and to consumer reporting agencies under the Fair Credit Reporting Act. To comply with federal, state, or local laws, rules and other applicable legal requirements.

How We Protect Your Information

We restrict access to nonpublic personal information about you only to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do to Help

Unity One Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, and states that the call is on behalf of the credit union and asks for your account number, you should beware.
• Official credit union staff will have access to your information and will not need to ask for it. Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
• If your address or phone number changes, please let us know. Let us know if you have questions and please do not hesitate to call us.

Complaint Notification
This credit union is incorportated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department.  Any member wishing to file a complaint against the credit union should contact the Texas Credit Union Department through one of the means indicated below:

In person or by U.S. mail: 914 East Anderson Lane, Austin, Texas 78752-1699
Telephone: (512) 837-9236
Fax: (512) 832-0287
E-mail: complaints@tcud.state.tx.us
Website: www.tcud.state.tx.us

Children's Privacy Policy

The privacy of young readers and other visitors to the our web site is of greatest importance. Because we respect your privacy, Unity One CU has adopted the following privacy policy, which conforms to the Children's Online Privacy Protection Act of 1998:

• Unity One CU may collect information on domain names, dates, and times of visits to the our web site. The information collected, will not included any personal identifiers. If the information is collected, it will only be used to record web site visits to help assess the overall value of its online brochures.
• With the exception of the usage described above, visitor information is NEVER sold, given, or disclosed to third parties.
• Unity One CU may use feedback information received by e-mail from visitors to respond to inquires, comments, or suggestions.
• E-mail information is never sold, given, or disclosed to third parties.
• Parental consent is non-applicable to our web site because no personal information is collected.
• Please send your questions and comments about our web site privacy policy to the webmaster via our e-mail form, phone (817) 306-3106, or mail to 6701 Burlington Blvd., Ft. Worth, TX 76131.