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Privacy Policy

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FACTS: WHAT DOES POLISH & SLAVIC 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
  • Account transactions and account balances
  • Payment history, transaction history and credit history.

How?

All financial companies need to share customer’s 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 Polish & Slavic FCU chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information:

Does PSFCU share?

Can you limit this sharing/opt-out?

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 – offer our products and services to you

No

We don’t share

For joint marketing with other financial companies

Yes

Yes

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 our nonaffiliates to market to you

No

We don’t share

To limit our sharing/opt out

Call 1.855.PSFCU.4U (1-855-773-2848) or visit one of our branches to limit our sharing/opt-out. Please note: If you are a new member, we may begin sharing your information 30 days from the date we sent this notice. If you terminate your membership with Polish & Slavic FCU, we will continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing/opt-out.

Questions?

Call 1.855.PSFCU.4U (1-855-773-2848) or send an e-mail to contact@psfcu.net

Who are we?

Who is providing this notice?

This privacy policy is being provided by the Polish & Slavic Federal Credit Union.

What we do?

How does Polish & Slavic FCU 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 Polish & Slavic FCU collect my personal
information?

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

  • open an account or deposit money
  • pay your bills or apply for loan
  • use your credit or debit card

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 laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

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. Polish & Slavic FCU has no affiliates.

Nonaffiliates

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

  • nonaffiliates we share can include insurance and finance services providers.

Joint marketing

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

  • our joint marketing partners can include institutions such as insurance companies

Other important information

Vermont Residents –Your state law requires financial institution to obtain your consent prior to sharing information about you with others. Except as permitted by law, we will not share information we collect about you with non- affiliated third parties unless you call us at 1.855.PSFCU.4U (1-855-773-2848) and authorize us to do so.
California Residents –Your state law requires financial institution to obtain your consent prior to sharing information about you with non-affiliated third parties. Except as permitted by law, we will not share information we collect about you with non-affiliated third parties while you are resident of California.

REV 10/2017

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