FACTS

WHAT DOES MEMBERS CU 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 numbers

• Account balances and transactions

• Credit history and payment 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 everyday business. In the section below, we list the reasons financial companies can share their members’ personal information, the reasons Members Credit Union chooses to share and whether you can limit this sharing.

Reasons we can share your personal information.

Does Members CU share?

Can you limit this sharing?

Everyday business purposes – to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus.

Yes

No

Our marketing purposes – to offer our products and services to you.

Yes

No

Joint marketing with other financial companies.

Yes

Yes

Our affiliates’ everyday business purposes – information about your transactions and experiences.

No

We don’t share

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 nonaffiliates to market to you.

No

We don’t share

Questions? Call 1-800-951-8000,

and press option 5.

Who we are

Who is providing this notice

Members Credit Union

What we do

How does Members 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 Members 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 on your account

• 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 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 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.

– Our affiliate is The Members Group LLC.

Nonaffiliates

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

– Members 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 companies and financial service companies.

Other Important Information

Questions

Contact us at 336-748-4800 and press option 5, 800-951-8000 and press option 5, or any of our branch offices for more information about our privacy policy.

What personal information do we collect when you visit our website?

We collect information from you when you subscribe to a newsletter, respond to a survey, register for online banking services or enter information on our website or engage with Members Credit Union Social Media. We also collect data via Google Analytics to help us better understand how website visitors use our website. To learn more about Google Analytics Data collected from our website and how to opt out, please see the section below titled, “Data and Analytics”

Data and Analytics

   We may use third-party Service Providers to monitor and analyze the use of our Service.

Analytics

Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en

We have implemented the following: Demographics and Interests Reporting:
We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to understand our website visitors better and make the information on our website more relevant and accessible.

Opting out: Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt-out by visiting the Network Advertising Initiative Opt-Out page or by using the Google Analytics Opt-Out Browser Add-on found here; https://tools.google.com/dlpage/gaoptout

We may use Facebook/Meta/Instagram Ads to advertise our services. Facebook/Meta/Instagram uses cookies and other tracking technologies to collect information about your interactions with our ads and services. This helps us target our ads to users based on their interests and behavior.

You can manage your ad preferences and opt out of personalized ads on Facebook/Meta through your Facebook/Meta settings. For more information, please refer to Facebook/Meta’s Privacy Policy.

Types of Data Collected

(1) Personal Data
We may collect personally identifiable information ("Personal Data") such as your email address, name, phone number, address, and cookies/usage data to communicate with you about our services. You can opt out of marketing communications by following unsubscribe instructions or contacting us.

(2) App Data
The Members Credit Union app collects location data for marketing purposes, and a unique user ID is generated for sending campaigns. It tracks app entry, exit, pages viewed, and collects your first name for personalized marketing.

(3) Usage Data

We collect data on how our Service is accessed and used, such as IP address, browser type, pages visited, and device identifiers.

(4) Tracking Cookies

We use cookies and similar technologies to track activities on our Service. Cookies help us improve and analyze our Service. You can refuse cookies, but some features may not work without them.

(5) Digital Banking Data

Some digital banking features may request access to device data (e.g., camera, biometric, contacts, location) for functionality like mobile deposits. If you decline access, certain features may not work.

Use of Data

Members Credit Union uses collected data for:

• Providing and maintaining the Service
• Sending updates, support, and marketing communications
• Improving our Service
• Analyzing and detecting technical issues

Transfer of Data

Your data may be transferred and processed outside your jurisdiction. If you're outside the U.S., your data will be processed in the U.S. and protected according to our Privacy Policy.

Disclosure of Data
We may disclose your Personal Data:

• To comply with legal obligations
• To protect Members Credit Union's rights or property
• For public safety or legal liability purposes

Data Security
While we strive to secure your data, no transmission method is 100% secure. We cannot guarantee absolute security.

Service Providers
We may use third-party service providers to help us provide our Service. These providers may access your Personal Data only to perform tasks on our behalf and are obligated to keep it confidential.

You may request your data to be removed by contacting us directly.

Pixel Tracking: Our website and mobile applications may use pixel tracking technology to collect information about your interactions with our content and services. A pixel tracker is a small, transparent image embedded in a webpage or email that helps us analyze how users engage with our content. This technology allows us to track actions such as page visits, clicks, and email open rates.

The data collected through pixel tracking may include, but is not limited to, information about your device, browser, IP address, and actions taken on our website or within our emails. This information helps us understand user behavior and improve the quality and relevance of our marketing campaigns, content, and services.

The pixel tracker does not collect any personally identifiable information unless you have provided it to us directly (e.g., through form submissions or sign-ups). We may also use this data to tailor advertisements and promotional content to your interests across third-party platforms.

If you prefer not to have your activities tracked by pixel technology, you may disable cookies in your browser settings. However, please note that disabling cookies may affect your ability to use certain features on our website or mobile applications.

By continuing to use our website or applications, you consent to the use of pixel tracking technologies as described in this disclaimer.

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online. We do not market to or collect any personal information about children under the age of 13 years old.

CAN-SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out strict penalties for violations.

We collect your email address to • Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.

To be in accordance with CAN-SPAM, we agree to the following: • Not use false or misleading subjects or email addresses. • Identify the message as an advertisement in some reasonable way. • Include the physical address of our business or site headquarters. • Monitor third-party email marketing services for compliance, if one is used. • Honor opt-out/unsubscribe requests quickly. • Allow users to unsubscribe by using the link at the bottom of each email. If at any time you would like to unsubscribe from receiving future emails follow the instructions at the bottom of each email, and we will promptly remove you from ALL Correspondence.

CardNav

The MEMCU CardNav App periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End

User’s selection. End Users can change their location permissions at any time in their device settings.