Revised: February 2024

WHAT DOES FORTERA FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

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.

The types of personal information we collect and share depend on the accounts, products, or services you have with us. This information can include:

• Name, address, Social Security Number, and income
• Account balances and payment history
• Credit history and credit scores

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 Fortera Federal Credit Union chooses to share; and whether you can limit this sharing.

• Call 931-431-6800 or toll free at 800-821-5891 or
• Visit us online at www.ForteraCU.com.

Please note: If you are a new member, we can begin sharing your information thirty (30) days from the date we sent you 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.

Call us at 931-431-6800 or toll free at 800-821-5891, or visit us online at www.ForteraCU.com.

Fortera Federal Credit Union

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, secured files and buildings, procedural safeguards and safe record storage. We will continue to review and modify our security controls in the future to deal with changes in products, services and technology.

We collect your personal information, for example, when you

• start an account
• apply for a loan
• use your credit or debit card
• pay your bills
• make deposits to or withdrawals from the accounts you have with us

We also collect your personal information from others, including credit bureaus or other companies.

Our marketing tools collect the following information when using our mobile banking application in order to provide appropriate marketing campaign information:

• Location data is collected to provide location-based messages and interactions.
• A random User ID is generated upon initial app access and used later during each marketing tool interaction. The User ID is used for identifying the user and for sending campaign information. This User ID is unique for each device and changes every time the application is re-installed.
• Product Interaction is a marketing tool used to track user application entry, exit and pages viewed within the application.
• Our marketing tools will collect your first name for product personalization purposes.

Background location data may be collected while the app is closed or not in use.

Federal law only gives you the right to limit:

• sharing for affiliates’ everyday business purposes—information about your creditworthiness
• affiliates from using your information to market to you
• sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Your choices will apply to everyone on the account you have with us.

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

• Our affiliates include financial companies such as Fortera CUSO Services, LLC, Fortera Insurance Agency LLC, and nonfinancial companies such as Fortefi, LLC.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Fortera Federal Credit Union does not share with non-affiliates so they can market to you, except under joint marketing agreements as noted below.

A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our marketing partners include:

• Investment companies
• Insurance companies
• Other financial service providers