WHAT DOES ARDENT 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 product or service you have with us. This information can include:

• Social Security number and Address
• Account Balances and Transaction History
• Credit History and Credit Scores

When you are no longer our member, we may continue to share your information as described in this notice and as required by law.

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 Ardent Federal Credit Union chooses to share; and whether you can 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 report to credit bureaus

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

For joint marketing with other financial companies

For our affiliates’ everyday business purposes— information about your transactions and experiences

For our affiliates’ everyday business purposes— information about your creditworthiness

For nonaffiliates to market to you

For affiliates to market to you

• Call (215) 569-3700 or toll free at (800) 806-9465
• Visit us online at www.ardentcu.org/optout

Please note: If you are a new member we can begin sharing your information 30 days from the date we sent 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 anytime to limit our sharing.

Call (215) 569-3700 or toll free at (800) 806-9465, or go to www.ardentcu.org, send us an e-mail at mail@ardentcu.org, or write to us at Ardent Federal Credit Union, PO Box 7480, Philadelphia, PA 19101-7480.

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.

We also restrict access to information about you to those employees who need to know that information to provide products or services to you.

We collect your personal information, for example, when you

• open an account or apply for a loan
• apply for any credit union service
• you visit our website, provide us information on any online application or transaction, or information you send to us by email.
• use your credit or debit card or pay your bills
• make deposits to or withdrawals from your accounts

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

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

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

• Ardent Insurance Agency

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

• Ardent Federal Credit Union does not share with non-affiliates so they can market to you, except for joint marketing arrangements.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include financial service partners that provide securities, insurance and mortgage services.

Ardent eBanking Mobile banking app

The following permissions pertain to the use of Ardent’s ebanking mobile app:

Allows access for device camera for mobile remote deposit.

Allows access to device location.

Allows access to files/media on the device for optional Secure Message attachments.

Allows access to the device’s microphone for optional Chat functions.

Allows access to the device Biometric hardware for optional use.

Note: You can disable options for these permissions on your device. Updates to the Ardent eBanking app may automatically add additional usage capabilities.

COPPA Statement

Ardent Federal Credit Union does not knowingly collect, nor is our website designed or directed, to use personal information from children under the age of 13 without containing verifiable consent from their parents. Should a child whom we know to be under the age of 13 send personal information to us, we will only use that information to respond directly to that child, seek parental consent or provide parental notice.  For more information on Children's Online Privacy Protection Act (COPPA). Visit the FTC's COPPA website