| FACTS |
WHAT DOES PREMIER 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 credit history
- credit scores and employment information
- income and overdraft history
|
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 members’
personal information; the reasons Premier Credit Union chooses to share; and whether you can limit
this sharing. |
| Reasons we can share your personal information |
Does Premier 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 to 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 our affiliates to market to you |
No |
We don't share |
| For nonaffiliates to market to you |
No |
We don't share |
| What we do |
| How does Premier 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 Premier Credit Union
collect my personal
information? |
We collect your personal information, for example, when you
- open an account or apply for a loan
- make a wire transfer or show your driver's license
- give us your wage statements
|
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.
|
| Definitions |
|
| Affiliates |
Companies related by common ownership or control. They can be financial and
nonfinancial companies.
- Premier Credit Union does not share with our affiliates
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Nonaffiliates we share with can include insurance companies, government
agencies, plastic card processors (credit/debit/ATM), financial statement
publishers or printers, mailhouse, mortgage companies, mortgage service
companies, consumer reporting agencies, data processors, check/share draft
printers, and direct marketing companies
|
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.
- Our joint marketing partners include advertising/marketing agencies, CUNA
Mutual Group's MEMBERCONNECT, loan recapture programs, and Affinion:
Accidental Death and Dismemberment Insurance
|
