GHS Federal Credit Union Privacy Policy

Effective date: October 20, 2026

What does GHS Federal Credit Union do with your personal information?

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 account balances
Credit history and employment information
Income and payment history

When you are no longer our member, 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 members’ personal information, the reasons GHS Federal Credit Union chooses to share, and whether you can limit this sharing.

How GHS Federal Credit Union shares personal information, and whether you can limit it
Reasons we can share your personal information	Does GHS Federal 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	Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We do not share
For nonaffiliates to market to you	No	We do not share

Questions? Call (800) 732-4447 or go to www.ghsfcu.com.

*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.

What we do

How does GHS Federal Credit Union protect my personal information?

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.

How does GHS Federal Credit Union collect my personal information?

We collect your personal information, for example, when you:

Open an account or apply for a loan
Show your government issued ID or provide account information
Deposit money or withdraw from your account

We also collect your personal information from others, such as credit bureaus, affiliates, or 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 nonaffiliates to market to you

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

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies.; GHS Federal Credit Union has no affiliates.
Non-affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.; GHS Federal 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 partners include insurance companies.

Website and online privacy

When you visit www.ghsfcu.com, we automatically collect certain technical information regarding your visit to help us operate, secure, and improve our website.

Automatically Collected Data: This information may include your device’s IP address, browser type, operating system, the date and time of your visit, and the specific pages you view. While an IP address can sometimes identify your internet service provider or general geographic location, we do not use this technical data to identify you as an individual unless you log into your account, fill out a form, or apply for a product.
Cookies and Tracking Technologies: We use cookies, analytics tools, and similar technologies on our public and secure pages to analyze site traffic, remember your preferences, and deliver a better user experience. You can adjust your browser settings to block or delete cookies, though doing so may impact certain features of our website.
Third Party Links: The sites may contain links to relevant external websites and information controlled or offered by third parties. GHS Federal Credit Union is not responsible for the content or privacy practices of websites owned by other entities. We recommend that you carefully review the privacy notice for each of the websites you visit because GHS Federal Credit Union has no control over the privacy practices or content of these linked Sites.

Your choices and controls

You may choose not to provide personal information that we request. However, not providing information requested may restrict your ability to use the Sites. For example, you may be able to restrict the collection of personal information or functionality through your device’s operating system or by disabling cookies but doing so may prevent you from using the functionality of the Sites.

Children’s privacy

Our website and digital banking platforms are not directed to children under the age of 13. While our credit union may open accounts for minors with the authorization and involvement of a parent or legal guardian, we do not knowingly collect personal information directly from children under 13 through our website or app without parental consent.

Changes to this notice

We may update this privacy notice from time to time to reflect changes in our practices, legal requirements, or services. When we make changes, we will update the “Effective Date” at the top of this notice. For significant changes, we will provide appropriate notice as required by applicable law. We encourage you to periodically review this notice to stay informed about how we protect your information.

GHS digital banking deletion policy

Below are the detailed steps for requesting the deletion of your digital banking account, along with an overview of the data that will be deleted and the information that may be retained during the process.

Delete the GHS Federal Credit Union mobile app from your phone

For Android (Google Play Store): Open the Google Play Store, tap your Profile icon, select Manage apps & devices, tap the name of the app, and select Uninstall.
For iOS (Apple App Store): From your home screen, touch and hold the app icon, tap Remove App, and then select Delete App.

Note: Uninstalling the mobile app from your device does not close your bank accounts or delete your personal data from our servers. Deleting the mobile app will not remove your access to mobile or online banking. To permanently close your account or request the deletion of your personal data, please contact us at (800) 732-4447.

Remove access to the GHS FCU mobile app

You can call 1-800-732-4447 and press 0 to speak to a Support Services Specialist to remove access to the GHS FCU mobile app; which will remove the data link that supplies data to the app for you to view.

If you call GHS FCU to remove access this will not remove the mobile app from your phone. Please follow the steps above to remove the mobile app.

If GHS FCU removes electronic access to mobile and online banking none of your information will be available in either mobile or online banking.

You will need to contact GHS FCU to re-enroll in online banking to regain access to your information and online/mobile banking. GHS Federal Credit Union is a Federally Chartered financial institution (3841). GHS will maintain your information, account documentation, and history according to Federal Law.

Biometric information privacy policy and consent

Effective date: October 20, 2026

Scope and overview

This policy outlines how GHS Federal Credit Union, its vendors, and/or the licensor of the GHS Federal Credit Union’s consumer verification software processes biometric data collected from you for identity verification and fraud prevention purposes.

Biometric data defined

As used in this policy, biometric data includes “biometric identifiers” and “biometric information”. “Biometric identifier” means a retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry. As the term is used in this policy, the selfie photograph you upload to the software for use in the biometric algorithm is considered a “biometric identifier.” “Biometric information” means any information, regardless of how it is captured, converted, stored, or shared, based on an individual’s biometric identifier used to identify an individual.

Disclosure and authorization policy

To the extent that GHS Federal Credit Union, its vendors, and/or the licensor of the GHS Federal Credit Union’s consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, GHS Federal Credit Union must first:

Inform each consumer that GHS Federal Credit Union, its vendors, and/or the licensor of the GHS Federal Credit Union’s consumer verification software are collecting, capturing, or otherwise obtaining the consumer’s biometric data, and that the GHS Federal Credit Union is providing such biometric data to its vendors and the licensor of the GHS Federal Credit Union’s consumer verification software;
Inform the consumer of the specific purpose and length of time for which the consumer’s biometric data is being collected, stored, and used; and
Receive consent by the consumer authorizing GHS Federal Credit Union, its vendors, and/or GHS Federal Credit Union’s consumer verification software to collect, store, and use the consumer’s biometric data for the specific purposes disclosed by the GHS Federal Credit Union, and for GHS Federal Credit Union to provide such biometric data to its vendors and the licensor of the GHS Federal Credit Union’s consumer verification software.
GHS Federal Credit Union, its vendors, and/or the licensor of the GHS Federal Credit Union’s consumer verification software will not sell, lease, trade, or otherwise profit from consumers’ biometric data; provided, however, that the GHS Federal Credit Union’s vendors and the licensor of the GHS Federal Credit Union’s consumer verification software may be paid for products or services used by GHS Federal Credit Union that utilize such biometric data.

This policy is intended to comply with all federal, state, and local laws.

Purpose for the collection of biometric data

GHS Federal Credit Union, its vendors, and/or the licensor of GHS Federal Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.

Disclosure

GHS Federal Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of the GHS Federal Credit Union’s consumer verification software providing products and services using biometric data without/unless:

First obtaining consumer consent to such disclosure or dissemination.
The disclosed data completes a financial transaction requested or authorized by the consumer
Disclosure is required by law or ordinance; or
Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.

Security

GHS Federal Credit Union shall use a commercially reasonable standard of care to store, transmit and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure shall be performed in a manner that is the same as or more protective than the manner in which GHS Federal Credit Union stores, transmits and protects from disclosure other confidential and sensitive information, including personal information that can be used to uniquely identify an individual or an individual’s account or property, such as genetic markers, genetic testing information, account numbers, PINs, driver’s license numbers and social security numbers.

Retention

GHS Federal Credit Union shall retain consumer biometric data only until, and shall request that its vendors and the licensor of GHS Federal Credit Union’s consumer verification software permanently destroy such data when, the first of the following occurs:

The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity;
Request of consumer to destroy the biometric data; or
Within 30 days of consumer’s provisioning of biometric data.

Contact information

If you have any questions about our use, storage, or security of your biometric data you can contact us at ghssupport@ghsfcu.com.