Terms, Conditions, and Disclosures

Privacy Notice

Rev. 09/2013
FACTS WHAT DOES GOLDENWEST CREDIT UNION AND USU CREDIT UNION A DIVISION OF GOLDENWEST 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:
• Account balances • Credit card or other debt
• Transaction history • Employment information
• Transaction or loss 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 Goldenwest Credit Union and USU Credit Union a division of Goldenwest chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Goldenwest Credit Union and USU Credit Union a division of Goldenwest 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
No We don't share
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes -
information about your transactions and experiences
No We don't share
For our affiliates' everyday business purposes -
information about your creditworthiness
No We don't share
For nonaffiliates to market to you No We don't share
Questions? Goldenwest Members: Call toll-free 1-800-283-4550 or go to www.gwcu.org USU Members: Call 1-800-248-6361 or go to www.usucu.org
Who We Are  
Who is providing this notice? Goldenwest Federal Credit Union and USU Credit Union a division of Goldenwest.
What We Do  
How does Goldenwest Credit Union and USU Credit Union a division of Goldenwest 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.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Goldenwest Credit Union and USU Credit Union a division of Goldenwest collect my personal information? We collect your personal information, for example, when you
• Open an account • Make a wire transfer
• Use your credit or debit card • Show your government-issued ID
• 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 laws and individual companies may give you additional rights to limit sharing.

See below for more on your rights under state law.
Definitions  
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
• Goldenwest Credit Union and USU Credit Union a division of Goldenwest has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
• Goldenwest Credit Union and USU Credit Union a division of Goldenwest 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.
Other Important Information
For Alaska, Illinois, Maryland and 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 Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

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.