Privacy Policy

Revised: February 2021

This Privacy Policy explains how Energy One Federal Credit Union collects, uses, shares, and protects your personal information. Federal law requires us to provide this notice and inform you of your rights regarding certain information-sharing practices.

What Does Energy One Do With Your Personal Information?

Why This Matters

Financial institutions choose how they share personal information. Federal law gives consumers the right to limit certain types of sharing and requires us to explain how we collect, share, and protect your information. Please read this notice carefully to understand our practices.

What Information We Collect

The personal information we collect and share depends on the products or services you use. This information may include:

• Social Security number
• Account balances
• Transaction history and account activity
• Checking account information
• Employment information

If you are no longer a member, we may continue to share your information as described in this policy.

How and Why We Share Information

All financial institutions must share personal information to conduct everyday business. Below are the situations in which information may be shared and whether Energy One participates in those activities.

• Everyday business purposes
  Including processing transactions, maintaining accounts, responding to legal investigations, and reporting to credit bureaus
  Shared: Yes
  You can limit: No
• Marketing Energy One products and services
  Shared: No
• Joint marketing with other financial companies
  Shared: Yes
  You can limit: No
• Affiliates’ everyday business purposes
  Including information about transactions, experiences, or creditworthiness
  Shared: No
• Nonaffiliates marketing to you
  Shared: No

Questions About This Policy

Call 918-699-7100 or 1-800-364-3628, or visit www.energyone.org.

Who We Are

This notice is provided by:
Energy One Federal Credit Union.

How We Protect Your Information

We protect your personal information using security measures that comply with federal law. These include physical, electronic, and procedural safeguards such as secured facilities, computer protections, and restricted employee access. Access to personal information is limited to employees who need it to perform their job duties.

How We Collect Information

We collect personal information directly from you, for example, when you:

• Open an account
• Provide contact or employment information
• Present government-issued identification
• Share account details.

We also collect information from third parties such as credit bureaus, identity verification services, and other companies.

When you use certain digital or mobile services, we may collect limited information from your device, including device identifiers, settings, location data, and analytical information. Location data may be collected when required for services such as ATM locators or in-store transactions, with your permission.

Your Rights to Limit Sharing

Federal law allows you to limit sharing only in specific circumstances, including:

• Sharing creditworthiness information with affiliates
• Affiliates using your information to market to you
• Sharing information with nonaffiliates for marketing.

State laws may provide additional rights, which are outlined below.

Definitions

Affiliates

Companies related by common ownership or control. Energy One Federal Credit Union has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. Energy One does not share personal information with nonaffiliates for marketing purposes.

Joint Marketing

A formal agreement between nonaffiliated financial companies that market products or services together. Energy One’s joint marketing partners may include credit card companies, financial planning and investment providers, and insurance agencies.

State-Specific Privacy Protections

• Alaska, Illinois, Maryland, North Dakota
  Personal information is not shared with nonaffiliates for marketing or joint marketing without authorization.
• California
  Information sharing is limited to comply with applicable California privacy laws.
• Massachusetts, Mississippi, New Jersey
  Personal information related to deposit or share relationships is not shared with nonaffiliates for marketing or joint marketing without authorization.

Website and Digital Information

Information Collected Automatically

To maintain website security and performance, Energy One uses software to monitor network traffic and collect limited statistical data. This information helps us improve site navigation, performance, and reliability.

Website Registration and Forms

Information provided through online registration, email, or web forms may be used to respond to inquiries and improve website services. This information is encrypted during transmission and is not voluntarily disclosed to third parties.

Cookies

Our website uses cookies to monitor site usage and improve functionality. You may adjust your browser settings to manage or decline cookies.

Thank You

Thank you for visiting Energy One Federal Credit Union’s website.