What does Pacific Horizon 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.
How?
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 balances
Payment history
Credit history
Credit scores
Employment information
Contact information including your home and mailing address, email address, and mobile number
When you are no longer a member, we continue to share your information as described in this notice.
| Reasons we can share your personal information | Does PHCU 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 | No | We do not share |
| For our affiliates’ everyday business purposes ‐ information about your creditworthiness | No | We do not share |
| For nonaffiliates/affiliates - to market to you | No | We do not share |
How does PHCU 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 PHCU collect my personal information?
We collect your personal information, for example, when you
Open an account
Give us your contact information
Give us your wage statements
Provide your mortgage information
Show your driver’s license
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.
Affiliates
Companies related by common ownership or control. They can be financial and non‐financial companies.
PHCU has no affiliates
Nonaffiliates
Companies not related by common ownership or control. They can be financial and non‐financial companies.
PHCU does not share with nonaffiliates so they can market to you
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
PHCU does not jointly market
Email and Text Message (SMS) Communications
Data Collection: We will collect your name, email address, mailing address, and mobile phone number when you sign up for SMS updates. The information will be collected via the website contact form, email, loan application, or third-party reservation systems.
Data Usage: We use your data solely for sending updates, promotions, and reminders related to our products or services.
Data Security: We protect your data with secure storage measures to prevent unauthorized access.
Data Retention: We retain your information as long as you are subscribed to our SMS service. You may request deletion at any time.
MESSAGE AND DATA RATES MAY APPLY. Your mobile carrier may charge fees for sending or receiving text messages, especially if you do not have an unlimited texting or data plan.
Messages are recurring, and message frequency varies.
Contact Pacific Horizon Credit Union at 801-489-3605 or (rebecca@pacifichorizoncu.com) for HELP or to STOP receiving messages.
Opt-Out: You can opt out of the SMS list at any time by texting, emailing, or replying STOP or UNSUBSCRIBE to (rebecca@pacifichorizoncu.com) or (801-489-3605). After unsubscribing, you will receive a final SMS to confirm you have unsubscribed and we will remove your number from our list within 24 hours.
You can send HELP for additional assistance, and you will receive a text including our Phone number, email and website. We are here to help you.
Non-Sharing Clause: We do not share your data with third parties for marketing purposes. Pacific Horizon Credit Union will not sell, rent, or share the collected mobile numbers.
Please Note: When you sign up to be a member at Pacific Horizon Credit Union, you agree to receive text messages concerning your account. If at any point you'd like to opt-out of SMS Text Messaging and stop receiving communications via this method, please call (801) 489-3605 or reply to the text with STOP to be removed.