Smart Financial Credit Union is owned by its members and run by the Board of Directors, which you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information.

Smart Financial Credit Union works together with its subsidiary, Smart Financial Resources, L.L.C., to offer a wide-range of financial products and services, such as investment services and insurance products. We obtain information about the financial products and services you maintain with Smart Financial Resources, L.L.C. to serve you more efficiently and make it easier for you to conduct your business with us. Likewise, we may share information about your accounts with Smart Financial Resources, L.L.C., all in an effort to provide you with competitive products and services to meet your financial needs.

We may disclose information about you under other circumstances as permitted or required by law. These disclosures typically include information to follow your instructions as you authorize, to conduct the operations of the credit union, or to protect the security of our financial records. We may also disclose the information that we collect to companies that perform marketing or other services on our behalf to other financial institutions with whom we have joint marketing agreements.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of the information that we provide. We do not permit these companies to sell to other third parties the information we provide.

Information We Collect and Disclose About You

We collect the following nonpublic personal information about you from a variety of sources and may disclose all the information we collect:

• From membership and loan applications and other forms, we obtain information such as name, address, social security number and income.
• From your transactions with our affiliates and us, we obtain information such as your account balances, payment history, parties to transactions and credit card usage.
• From consumer reporting agencies, we obtain information such as your creditworthiness and credit history.
• From verifications of information you provide on applications and other forms, we obtain information from current and past employers, other financial institutions and other sources listed on the application.

We may disclose all of the information we collect, as described above to companies that perform services on our behalf or to other financial institutions with whom we have joint marketing agreements.

If you terminate your membership or have an inactive account with Smart Financial Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose for utilizing your data. Our employees are trained in the importance of maintaining confidentiality and membership privacy. We maintain physical, electronic and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic information.

Contact Us

If you have questions concerning the privacy of your personal information or if you choose to opt out from Smart Financial Credit Union sharing application information, consumer report information, or information from outside sources among Smart Financial Credit Union affiliates, please contact us at 1-800-392-5084 or write to us at P. O. Box 920719, Houston, TX 77292-0719.