Privacy Policy

What does Pacific Horizon Credit Union do with your personal information?


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.


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.

For our marketing purposes
to offer our products and services to you
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.


Companies related by common ownership or control.  They can be financial and non‐financial companies.

  • PHCU has no affiliates.


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.