Privacy

PRIVACY DISCLOSURE (FOR ALL SHORT TERM LOAN CUSTOMERS) Protecting your privacy is important to CU on Payday and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with short term loans as effectively and conveniently as possible, we use a technology to manage and maintain customer information. The following policy serves as a standard for all CU on Payday employees for collect on, use, retention, and security of nonpublic personal information related to our short term loan programs. WHAT INFORMATION WE COLLECT We may collect nonpublic personal information about you from the following sources: Information we receive from you on applications, or other loan forms, such as your name, address, social security number, assets and income. Information about your loan transactions with us, such as your payment history and loan balances. Information we receive from third parties, such as consumer reporting agencies and other lenders, regarding your creditworthiness and credit history. Information we receive from your deposit accounts with Chetco Federal Credit Union. Minimum 18 years of age. WHAT INFORMATION WE DISCLOSE We are permitted by law to disclose nonpublic personal information about you to third parties in certain circumstances. For example, we may disclose nonpublic personal information about your short term loans to consumer reporting agencies and to governmental entities in response to subpoenas. Moreover, we may disclose all of the nonpublic personal information about you that we collect, as described above, to financial service providers that perform services on our behalf, such as marketers and servicers of your short term loan, and to financial institutions with which we have joint marketing arrangements. Such disclosures are made as necessary to effect, administer and enforce the loan you request or authorize. Otherwise, we do not disclose nonpublic personal information about our customers or former customers to anyone, except as permitted by law. If you become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice. OUR SECURITY PROCEDURES We also take steps to safeguard customer information. We restrict access to nonpublic personal information about you to those of our and our staff employees who need to know that information to provide short term loans to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

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