Privacy Policy & Notice
Revised 02/2024
Public Service Credit Union will not gather, collect, or maintain any information about its members that is not necessary in order to offer its products and services, to complete member transactions, or for other relevant business purposes. The credit union does not, and will not, sell or provide any member information to third parties including list services, telemarketing firms, or outside companies for independent use.
Public Service Credit Union collects nonpublic personal information about members from the following sources:
-Information received from members on applications or other forms;
-Information about member transactions with us or others; and
-Information received from a consumer reporting agency
This nonpublic personal information will not be disclosed to anyone, except as permitted by law.
We restrict access to member’s personal and account information to those employees who need to know that information to provide products or services to the member. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard members’ nonpublic personal information.
What does Public Service 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. |
| 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 transaction history; assets and credit history. When you are no longer our customer, we continue to share your information as described in this notice. |
| How? | All financial companies need to share member's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member's personal information; the reasons Public Service Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Public Service CU 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 | 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 |
| For nonaffiliates to market to you | NO | We don't share |
| Who we are | |
|---|---|
| Who is providing this notice? | Public Service Credit Union |
| What we do | |
|---|---|
| How does Public Service 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. |
| How does Public Service Credit Union collect my personal information? | We collect your personal information, for example, when you: open an account or verify income; apply for a loan or show your driver license; conduct transactions on your account |
| 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. |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. Public Service Credit Union has no affiliates. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. Public Service Credit Union has no marketing agreements with nonaffiliates. |
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Public Service Credit Union has no joint marketing agreements. |
| Other important information |
|---|
| For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with non-affiliates either for them to market to you or joint marketing without your authorization. For California Members. We will not share personal information with non-affiliates either for them to market to you or joint marketing without your authorization. We will also limit our sharing of your personal information with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi, and New Jersey Members. We will not share your personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing without your authorization. For Vermont Members. We will not share personal information with non-affiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization. |