Privacy Notice

FACTS WHAT DOES ORION FEDERAL CREDIT UNION 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 payment history
  • Credit history and credit scores

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 ORION chooses to share; and whether you can limit this
sharing.

Reasons we can share your personal information Does ORION 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 Yes
For joint marketing with other financial companies Yes Yes
For our affiliates’ everyday business purposes
— information about your transactions and experiences
No Not Applicable
For our affiliates’ everyday business purposes
— information about your creditworthiness
No Not Applicable
For nonaffiliates to market to you No Not Applicable
To limit our sharing
  • Contact Us

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 our member, we continue to share your information as
described in this notice. However, you can contact us at any time to limit our sharing.

Contact Numbers 901-385-5200
800-532-9025

What we do
How does ORION 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 ORION collect my personal
information?
We collect your personal information, for example, when you

  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Provide account information

We also collect your personal information from 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.

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.

Definitions
Affiliates Companies related by common ownership or control. They can be
financial and nonfinancial companies.

  • ORION has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be
financial and nonfinancial companies.

  • Nonaffiliates we share with can include mortgage companies and direct marketing companies.
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
What members can do to help. Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. Never keep your PIN with your debit or ATM card. Use caution in revealing account numbers, social security numbers, etc. to other persons. If a caller tells you he/she is calling you on behalf of the credit union and asks for your account number, you should beware. Legitimate credit union staff would already have access to that information. It is important that the credit union has current information about how to reach you. If your address or
phone number changes, please let us know.

For Alaska, California, Illinois, Maryland, North Dakota, and Vermont Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization.

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.

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