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Privacy Policy

PDF Version of Privacy Policy

Rev. 6/22

What does Centra or CFS do with Your 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 history and income

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 Centra or CFS chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Centra or CFS 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 don't share
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don't share

Why do we request access to personal information?
The application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account. It is important for you to understand that before granting access to this information you will be prompted to give the application that permission. If you do not wish to grant that permission, you may decline. If you later change your mind, those permissions can be updated in your device’s settings.

Some possible examples of information your app may request access to are:

Location: Your location is used to prevent fraudulent activity and to display locations near you.
Contacts: Allowing access lets you add contacts including images to use with features that allow you to personalize and send money via your mobile app. We will only add the contacts you choose and that information will not be shared.
Camera: This app uses your camera to capture check images

To limit sharing

Call Toll-free 1-800-232-3642 – and speak with a member service representative, or

Visit us online: www.centra.org

Please note: If you are a new Member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a Member, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call toll-free 1-800-232-3642 or go to www.centra.org

Who we are / Who is providing this notice?

Centra or CFS means the following institutions: Centra Credit Union and Centra Financial Services, LLC

How does Centra or CFS 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 Centra or CFS collect my personal information?

We collect your personal information, for example, when you

open an account or show your government-issued ID
provide your mortgage information or apply for financing
give us your contact information

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.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Term	Definition
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies, such as Centra Financial Services, LLC, Centra Foundation, and Johnson County Land Title.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Centra or CFS 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 card providers.

Other important information

For North Dakota Members: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.
For California Members: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our
affiliates to comply with all California privacy laws that apply to us.
For Vermont Members: We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.