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
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 don’t share |
| For our affiliates’ everyday business purposes ‐ information about your creditworthiness | No | We don’t share |
| For nonaffiliates/affiliates - to market to you | No | We don’t 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 doesn’t jointly market