Rev. 12/10

FACTS

WHAT DOES INDIANA LAKES 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 credit card or other debt

- credit history and payment history

- transaction history and transaction or loss history

When you are no longer our customer, 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 Indiana Lakes Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Indiana Lakes

Federal Credit Union

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 to 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

No

We don't share

For our affiliates’ everyday business purposes –

information about your creditworthiness

No

We don't share

For our affiliates to market to you

No

We don't share

For nonaffiliates to market to you

No

We don't share

Questions?

Call 574-267-7497 or go to www.ilfcu.com

What we do

How does Indiana Lakes Federal

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 Indiana Lakes Federal

Credit Union collect my personal

information?

We collect your personal information, for example, when you

- open an account or apply for a loan

- make a wire transfer or show your driver's license

- give us your wage statements

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.

Definitions

Affiliates

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

nonfinancial companies.

- Indiana Lakes Federal Credit Union has no affiliates

Nonaffiliates

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

nonfinancial companies.

- Indiana Lakes Federal Credit Union does not share with our 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 CUNA Mutual Group's MEMBERCONNECT

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