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Your Privacy is Protected

We respect and understand the importance of protecting the privacy of our members. As such, we are committed to maintaining the confidentiality of each member’s non-public information about his or her personal financial data consistent with state and federal laws. The following information details our policies regarding our use and protection of your personal financial data.

Collection and Use of Information
During the course of business, we collect the information you provide to us as well as information available from public records and credit reports. We may share all the information about you that we collect for a number of purposes. For instance, we share information to complete transactions, to administer your records and accounts, to process your transactions, to assist us in developing new products and services, to aid you in learning more about our products and services and to fulfill any legal and regulatory requirements. We collect nonpublic personal information (“information”) about you from the following sources:
  • Information we receive from you on applications or that you provide to us verbally or in writing.

  • Information about your transactions with us or with others.

  • Information we obtain by verifying information that you provide to us.

  • Information we receive from a consumer reporting agency.

Accuracy of Information
We strive to ensure that our records contain accurate information about you. If you see any inaccuracies in your statements, please call 714/526-2328 or 800/656-2328. We will promptly make any necessary changes to update your records.

Security of Information
We currently protect your information from unauthorized access using established security standards and procedures. We also continually update and assess our systems to improve our technology for protecting information.

Employee Access to Information
We also protect your information by limiting employee access to such information for business purposes only. Our employees access information about you when needed to administer your accounts, to provide requested services, or in response to a legally valid outside request or order (such as a subpoena). Our employees may also access information to exercise our rights under the law or pursuant to any agreement with you.

Sharing Information with Third Parties
As discussed above, we share information about you with nonaffiliated third parties to complete transactions and maintain accounts and related records (such as data processing transactions, and records retention). We may also share information with select nonaffiliated third parties if:

1) you request or authorize it;
2) the information is provided to help complete a transaction initiated by you;
3) the information is provided to a consumer reporting agency in accordance with the Fair Credit Reporting Act; or
4) the disclosure otherwise is lawfully permitted.

Also, we may share your information with other non-affiliated third parties to provide you with efficient and convenient service, and to inform you of new products and services. For instance, we enter into agreements with non-financial companies to provide support services or for one or more of our products, such as mailing houses that assist us in delivering your statements and other promotional materials.

In addition, to keep you informed of financial products and services that may be of interest to you, we may enter into joint marketing agreements with other financial service providers such as insurance agencies or securities brokers/dealers.

Please be assured that before entering relationships with such entities, we require them to agree to safeguard our members’ information and to comply with all applicable privacy laws.

Furthermore, we may also disclose information about you to other nonaffiliated third parties not described above as required or permitted by law.

If you discontinue your membership with Pacific Community Credit Union, we will abide by the policy and procedures set forth in this disclosure.

We reserve the right to revise our policies as our business needs change or as the law requires. If we revise our policy, we will advise our active members or our new policies at that time.

© Pacific Community Credit Union 2003
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