Privacy Policy Notices

PRIVACY DISCLOSURE

FACTS	WHAT DOES LIBERTY FIRST 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 Credit History • Income and Transaction History • Credit Scores and Transaction or loss history 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 member’s personal information; the reasons Liberty First Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Liberty First Credit Union Share?
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

For our marketing purposes— to offer our products and services to you	Yes

For joint marketing with other financial companies	No

For our affiliates’ everyday business purposes — information about your transactions and experiences	No
For our affiliates’ everyday business purposes— information about your creditworthiness	No

For our affiliates to market to you	No

For non-affiliates to market to you	No

Questions?

Call 402-465-1000 or go to www.libertyfirstcu.com.

What we do
How does Liberty First Credit Union 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 Liberty First Credit Union collect my personal information?	We collect your personal information, for example, when you open an account or deposit money
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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. • Liberty First Credit Union has no affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. • Non-affiliates we share with can include mortgage companies, insurance companies, and direct marketing companies.
Joint marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. • Liberty First Credit Union doesn’t jointly market.
Other important information
Notices and “Joint Relationships.” Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement or other document. If this person (member) has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, to the e-mail or Internet address provided by said person; or we shall post or otherwise give notice by posting a notice, providing a link or using such other electronic methods authorized under applicable laws and/or regulations. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph. Modification. The Credit Union reserves the right to modify, change or amend this Privacy Policy and Agreement at any time without notice other than as expressly required by applicable law. What members can do to help. Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. In particular, never keep your PIN with your debit card or credit card, as that makes you vulnerable in the event you lose your card or your card is stolen. Use caution in revealing account numbers, social security numbers, etc. to other persons. In particular, 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’s important that the credit union has current information about how to reach you. If we detect potentially fraudulent use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know. For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization. For California Members. We will not share personal information with non-affiliates 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 non-affiliates either for them to market to you or for joint marketing – without your authorization. For Vermont Members. We will not share personal information with non-affiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization

Liberty First Credit Union

501 N. 46^th Street, Lincoln, NE 68503
6001 S. 56^th Street, Lincoln, NE 68516
5101 N. 27^th Street, Lincoln, NE 68521
8400 Lexington Ave, Lincoln, NE 68505
5011 S. 108^th St, Omaha, NE 68137
3531 Progressive Road Ste 103, Seward, NE 68434

(402) 465-1000
1-855-501-4600

To Report a Lost or Stolen Check Card or Instant Cash Card After Hours
Call: 1-800-472-3272

To Report a Lost or Stolen Credit Card After Hours
Call: 800-472-3272

Direct All Other Reports, Requests and Inquiries to:
Liberty First Credit Union
P. O. Box 5248
Lincoln, NE 68505-0248

Revised 3/28/2024