Privacy Policy

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 employment information • Account balances and payment history • Credit history and credit scores 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 customers' personal information, the reasons Transcend Credit Union chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does Transcend 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 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 nonaffiliates to market to you	No	We Don't Share

Questions	Call toll-free 800-292-9490 or go to www.transcendcu.com

Who We Are
Who is providing this notice?	TRANSCEND CREDIT UNION

What We Do
How does Transcend Credit Union protect personal information?	To protect your personal information from unauthorized access and use, we us security measures that comply with federal law. These measures include computer safeguards and secured files and buildings
How does Transcend Credit Union collect my personal information?	We collect your personal information, for example when you open an account or apply for a product or service pay your bills or apply for a loan make transactions using your debit card or credit card We also collect your personal information from 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 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. Transcend Credit Union has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Transcend Credit Union does not share with non-affiliates so they can market to you.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partner(s) include financial service providers.

Information You Share With Us

Information Collected Automatically or Indirectly From You

Information Obtained From Third Parties

Operational Uses
Sharing of Personal Data

Communication Opt-Out
Cookies and Web Tracking
Automated Decision Making

Other Important Information About Personal Data and the Services
Children
Business Transfer
International Use
Former Clients
Third-Party Websites and Services

1. Overview
Transcend Credit Union, and each of their affiliates (collectively, “Transcend,” “we,” “us,” “our”) respect
your privacy and are committed to protecting the data we hold about you. If you have questions,
comments, or concerns about this Privacy Policy or our processing of your data, please see the bottom of
this page for information about how to contact us.

This Privacy Policy explains our practices with respect to data we collect and process in connection with
your relationship with us. This includes information we collect through, or in association with, our
website with a home page located at https://www.transcendcu.com/, together with all services we may
offer from time to time via our website, mobile application, social media sites (such as Instagram and
Meta) or otherwise through your interactions with us (collectively, the “Services”).

2. What Information Do We Collect?
We collect certain information that identifies, relates to, describes, is reasonably capable of being
associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or
household (“Personal Data”) through the Services, including:

• When you provide it to us directly by creating an account or subscribing to the Services;
• Automatically through logging and analytics tools, cookies, pixel tags, and as a result of your use
of and access to the Services; and
• From third-party sources, including service providers, such as the Credit Union’s website, online
and mobile banking service provider (Jack Henry Banno platform), and Meta.

You have choices about certain information we collect. When you are asked to provide information, you
may decline to do so; but if you choose not to provide information that is necessary to provide any aspect
of our Services, you may not be able to use those Services. In addition, as noted below in the section
captioned “Your Choices” it is possible to change your browser settings to block the automatic collection
of certain information.

Finally, we may collect data that is not identifiable to you or otherwise associated with you, such as
aggregated data and is not Personal Data. To the extent this data is stored or associated with Personal
Data, it will be treated as Personal Data; otherwise, the data is not subject to this Privacy Policy.

Information You Share with Us. We collect Personal Data from you when you provide it to us,
including through creating an account through the Services, undergoing a verification process in
order to comply with financial regulations, connecting a bank account, or contacting us with
questions or comments.
For example, if you create an account to use the Services, we may collect your name, phone
number, email address, and company information. To proceed with the verification and the
underwriting process, we may require that you provide additional personal data (including your
date of birth, driver’s license, proof of address, social security number, and employment
information) sufficient to conduct a background screening.

Information Collected Automatically or Indirectly from You. When you browse or use the
Services, we utilize commonly-used logging and analytics tools, including Google Analytics, to
collect information about your use of the Services (such as how you navigate and move around
the Services).
We also use cookies to personalize and enhance your experience with our Services, to collect data
about your visit to our Services, to help diagnose problems with our servers, to administer the
Services, and to gather broad demographic information about our users.
Information collected automatically includes the software and hardware attributes of the device
you use to access the Services, unique device ID information, regional and language settings,
performance data about the Services, network provider, and IP address (a number assigned to
your device when you use the Internet). In addition, information is collected passively in the form
of log files that record website activity. For example, log file entries and analytics data are
generated every time you visit a particular page on our website, and track the dates and times that
you use the Services, the pages you visit, the amount of time spent on specific pages, and other
similar usage information, and general data (including the name of the web page from which you
entered our website).

Please see the “Your Choices” section of this Privacy Policy for more information about
cookies and other web tracking technologies on the Services; for information about how
you can reject, delete, or prevent cookies from being placed on your system; and how you
can opt out of, limit, or prevent certain web tracking technologies from collecting
information about you.

Information Obtained from Third Parties. We receive Personal Data from third parties that we
have engaged to provide services to us, such as payment processors, and other third parties from
time to time.

Operational Uses. We process Personal Data as part of our operations, which include:

• Providing you with information tailored to your requests, responding to inquiries, and
delivering services and products;
• Operating, maintaining, and improving the quality of the Services and such content,
products, and/or services as we may make available through the Services;
• Communicating with you by email and text message (SMS, MMS), in each case with
your consent, if such consent is required in accordance with applicable laws;
• Debugging to identify and repair errors that impair existing intended functionality;
• Undertaking internal research for technological development and demonstration;
• Detecting security incidents, protecting against malicious, deceptive, fraudulent, or
illegal activity, and prosecuting those responsible for that activity;
• Compliance with applicable laws, regulations, rules, and requests of relevant law
enforcement and/or other governmental agencies, including Know Your Client and

Anti-Money Laundering;
• Endeavoring to protect our and our partners’ rights, property, or safety, and the rights,
property, and safety of our users and other third parties; and
• For other purposes, as permitted or required by law.

Sharing of Personal Data. Some of the above processing involves sharing Personal Data with
third parties, including service providers and other partners.

• We share Personal Data with third parties when you authorize us to do so to
effectuate transactions and provide the Services;
• We share Personal Data with certain affiliated third parties;
• We share Personal Data with our service providers, including our website developer,
credit reporting agencies, banking and payment processors, and other vendors we
engage so that they may provide services to us or on our behalf; and
• We share Personal Data with government agencies or regulators when permitted or
required to do so by law; in response to a request from a law enforcement agency or
authority or any regulatory authority; and/or to protect the integrity of the Services or
our interests, rights, property, or safety, and/or that of our users and others.

4. Your Rights Regarding Personal Data
You have certain rights regarding the collection and processing of Personal Data. You may exercise these
rights, to the extent they apply to you, by contacting us at the information provided at the end of this
Privacy Policy, or by following instructions provided in this Privacy Policy, or in communications sent to
you.

Accessing, Modifying, Rectifying, and Correcting Collected Personal Data. We strive to
maintain the accuracy of any Personal Data collected from you, and will try to respond promptly
to update our records when you tell us the information in our records is not correct. However, we
must rely upon you to ensure that the information you provide to us is complete, accurate, and up-to-date,

and to inform us of any changes. Please review all of your information carefully before
submitting it to us and update your account with any changes or corrections.
Depending on the laws that apply to you, you may obtain from us certain Personal Data in our
records. If you wish to access, review, or make any changes to Personal Data you have provided
to us through the Services, please contact us at the information provided at the end of this Privacy
Policy. We reserve the right to deny access as permitted or required by applicable law.

5. Protecting Personal Data
We use reasonable and appropriate physical, technical, and organizational safeguards designed to promote
the security of our systems and protect the confidentiality, integrity, availability, and resilience of Personal
Data. Those safeguards include: (i) the encryption of Personal Data where we deem appropriate; (ii)
taking steps to ensure Personal Data is backed up and remains available in the event of a security incident;
and (iii) periodic testing, assessment, and evaluation of the effectiveness of our safeguards.
However, no method of safeguarding information is completely secure. While we use measures designed
to protect Personal Data, we cannot guarantee that our safeguards will be effective or sufficient. In
addition, you should be aware that Internet data transmission is not always secure, and we cannot warrant
that information you transmit utilizing the Services is or will be secure.

6. Retention of Personal Data
We retain Personal Data as long as you are using the Services, and as well as to the extent we deem
necessary to carry out the processing activities described above, including but not limited to compliance
with applicable laws, regulations, rules and requests of relevant law enforcement and/or other
governmental agencies, and to the extent we reasonably deem necessary to protect our and our partners’
rights, property, or safety, and the rights, property, and safety of our users and other third parties.

7. Your Choices
You have choices about certain information we collect about you, how we communicate with you, and
how we process certain data. When you are asked to provide information, you may decline to do so; but if
you choose not to provide information that is necessary to provide some of our Services, you may not be
able to use those Services. In addition, it is possible to change your browser settings to block the
automatic collection of certain information.

Communications Opt-Out. You may opt out of receiving communications from us at any time
through a given communications channel by following the opt-out link or other unsubscribe
instructions provided in any email message received, by contacting us as provided at the end of
this Privacy Policy. If you wish to opt out by sending us an email to the address provided below,
please include “Opt-Out” in the email’s subject line, and include your name and the email address
you used to sign up for communications in the body of the email.

Cookies and Web Tracking. It is possible to change your browser settings to block the automatic
collection of certain information. Please note that disabling or removing cookies may prevent the
Services, or certain functionality on the Services, from working correctly or at all.

Automated Decision Making.  Transcend does not engage in automated decision making for
processing the Personal Data it collects.

Children. Persons under 18 years of age are not permitted to use the Services, and we do not
knowingly collect information from persons under the age of 18. By using the Services, you
represent that you are 18 years of age or older.

Business Transfer. We may, in the future, sell or otherwise transfer some or all of our business,
operations or assets to a third party, whether by merger, acquisition or otherwise. Personal Data
we obtain from or about you via the Services may be disclosed to any potential or actual thirdparty acquirers and may be among those assets transferred.

International Use. Your Personal Data will be stored and processed in the United States. If you
are using the Services from outside the United States, by your use of the Services you
acknowledge that we will transfer your data to, and store your Personal Data in, the United States,
which may have different data protection rules than in your country, and Personal Data may
become accessible as permitted by law in the United States, including to law enforcement and/or
national security authorities in the United States.

Former Clients. If you decide to close your account(s) or become an inactive customer, we will
disconnect your account from any subscription activity, and will adhere to this Privacy Policy,
which may be amended from time to time, in connection with Personal Data that we retain.
Third-Party Websites and Services. As a convenience, we may reference or provide links to
third-party websites and services, including those of unaffiliated third parties, our affiliates,
service providers, and third parties with which we do business. When you access these third-party
services, you leave our Services, and we are not responsible for, and do not control, the content,
security, or privacy practices employed by any third-party websites and services. You access these
third-party services at your own risk. This Privacy Policy does not apply to any third-party
services; please refer to the Privacy Notices or policies for such third-party services for
information about how they collect, use, and process personal data.

9. Modifications and Updates to this Privacy Policy
This Privacy Policy replaces all previous disclosures we may have provided to you about our information
practices with respect to the Services. We reserve the right, at any time, to modify, alter, and/or update this
Privacy Policy, and any such modifications, alterations, or updates will be effective upon our posting of
the revised Privacy Policy. Your continued use of the Services following our posting of any revised
Privacy Policy will constitute your acknowledgement of the amended Privacy Policy.

10. Applicability of this Privacy Policy
This Privacy Policy is subject to the Member Account Agreement & Disclosures, including the Terms of
Use that govern your use of the Services. This Privacy Policy applies regardless of the means used to
access or provide information through the Services.

11. Additional Information
If you have any questions or concerns about this Privacy Policy and/or how we process Personal Data
please contact:
Transcend Credit Union
Member Services Department
3740 Bardstown Road
Louisville, KY 40218

Revised: November 30, 2024