We collect information that you provide directly to us, including:

• Account Information: Name, address, email, phone number, date of birth, Social Security number, and government-issued identification.
• Financial Information: Income, employment information, account numbers, and transaction history.
• Communication Information: Messages, emails, and other communications you send to us.
• Technical Information: IP address, browser type, device information, and cookies when you use our website or mobile app.

We use the information we collect to:

• Process your applications and provide financial services
• Verify your identity and prevent fraud
• Communicate with you about your accounts and services
• Comply with legal and regulatory requirements
• Improve our products, services, and website
• Send you marketing communications (with your consent)

We do not sell your personal information. We may share your information with:

• Service Providers: Companies that help us provide services (e.g., payment processors, IT support)
• Affiliates: Our affiliated companies for business purposes
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets

We implement industry-standard security measures to protect your personal information, including:

• Encryption of sensitive data in transit and at rest
• Multi-factor authentication for account access
• Regular security assessments and monitoring
• Employee training on data protection
• Physical security measures at our facilities

While we strive to protect your information, no method of transmission over the Internet is 100% secure. We encourage you to use strong passwords and protect your account credentials.

You have the right to:

• Access and receive a copy of your personal information
• Correct inaccurate information
• Request deletion of your information (subject to legal requirements)
• Opt-out of marketing communications
• Limit certain uses and disclosures of your information

To exercise these rights, please contact us using the information provided below.

We use cookies and similar technologies to improve your experience on our website. These help us:

• Remember your preferences
• Understand how you use our website
• Provide personalized content
• Analyze website traffic and performance

You can control cookies through your browser settings. Note that disabling cookies may affect the functionality of our website.

Our services are not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Last Updated" date. We encourage you to review this policy periodically.

If you have questions about this Privacy Policy or our privacy practices, please contact us:

• By Mail: Deseret First Credit Union, Attn: Privacy Officer, P.O. Box 555, Salt Lake City, UT 84110
• By Phone: (801) 456-8100
• By Email: privacy@deseretfirst.com
• Online: Contact Form