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PCT Federal Credit Union Privacy
Notice and Disclosure
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FACTS |
WHAT DOES PCT FEDERAL
CREDIT UNION DO WITH
YOUR PERSONAL
INFORMATION? |
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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.
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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 income
● account balances and payment history
● credit history and credit scores
When you are
no longer
our member, we
continue to share
your information as
described in this
notice.
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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 PCT Federal
Credit Union chooses
to share; and
whether you can
limit this sharing.
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Reasons we can share
your personal
information |
Does PCT Federal Credit
Union share? |
Can you
limit this sharing? |
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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 |
No |
We don't share |
|
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 |
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For non-affiliates to
market to you |
No |
We don't share |
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How does PCT 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. |
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How does PCT Federal
Credit Union 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 a loan
● use your credit or debit card
We also collect your
personal information
from others, such as
credit bureaus,
affiliates, or other
companies. |
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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. |
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Affiliates |
Companies related by
common ownership or
control. They can be
financial and
non-financial companies.
● PCT Federal Credit Union has no affiliates |
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Non-affiliates |
Companies not related by
common ownership or
control. They can be
financial and
non-financial companies.
● PCT Federal Credit Union does not share with
non-
affiliates so they can
market to you |
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Joint marketing |
A formal agreement
between non-affiliated
financial companies that
together market
financial products or
services to you.
● PCT Federal Credit Union doesn’t jointly market |
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