Privacy Policy | GFA FCU | Gardner, Winchendon, Hubbardston - MA

FACTS	WHAT DOES GFA FEDERAL CREDIT UNION/GFA INSURANCE SERVICES, LLC 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 income Account balances and credit history Account transactions and payment history When you are no longer a 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 GFA Federal Credit Union/GFA Insurance Services, LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does GFA Federal Credit Union/GFA Insurance Services, LLC 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	NO
For joint marketing with other financial companies	YES	NO
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 do not share
For our affiliates to market to you	NO	We do not share
For nonaffiliates to market to you	NO	We do not share
Questions?	Call 978.632.2542 or go to gfafcu.com

Who we are
Who is providing this notice?	GFA Federal Credit Union GFA Insurance Services, LLC
What we do
How does GFA Federal Credit Union/GFA Insurance Services, LLC 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 GFA Federal Credit Union/GFA Insurance Services, LLC collect my personal information?	We collect your personal information, for example, when you: Open an account or provide your mortgage information Apply for financing or provide account information Show us 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 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. See below for more on your rights under state laws.¹
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include financial companies, such as GFA Insurance Services, LLC, a credit union service organization (CUSO)
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. GFA Federal Credit Union/GFA Insurance Services, LLC does not share with our 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 credit card companies.
Other Important Information
Important Terms and Disclosures (“Terms”): Electronic SMS Text Messaging (“Service”). This GFA Federal Credit Union (“GFA”) electronic communication channel is a confidential SMS Text Message exchange between you (the intended “Recipient”) and a GFA employee (“Sender”). All messages (including any accompanying attachments) are for informational and administrative purposes only and not intended as an offer or promotion. By communicating with the Sender, Recipients will continue to acknowledge these Terms and acknowledge that standard text messaging rates may apply. Monetary transactions or fund transfer requests will not be accepted through the Service. These messages are not an official confirmation of any transaction/fund transfer. Opting-Out. If at any time you wish to stop the Service and no longer receive text messages, you must text “Stop” to the Sender.
Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.
¹For Massachusetts Members: We will not share personal information with nonaffiliates, either for them to market to you, or for joint marketing, without your authorization.