PRIVACY POLICY

Perry Point Federal Credit Union is committed to providing its members with products and services to help them reach their financial goals. We are equally committed to protecting the privacy of our members. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information.

In this notice, the term “nonpublic personal information” refers to information we collect about you that is not available from public sources such as telephone directories or government records. Some examples are your date of birth, social security number, account numbers and balances, place of employment and income.

Information We Collect About You
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on membership and loan applications and other forms;
• Information about your transactions with us or others;
• Information we receive from a consumer reporting agency; and
• Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.

Information We Disclose About You
In order to conduct the business of this credit union, we may disclose nonpublic personal information about you as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

We may disclose nonpublic personal information about you to the following types of third parties:

• Financial service providers such as insurance companies; and
• Non-financial companies such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers, and plastic card processors (credit, debit, or ATM).

To protect your privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of the information we provide. We do not allow these companies to sell the member information we provide to other third parties.

If you terminate your membership with our credit union, we will not share nonpublic personal information we have collected about you, except as permitted or required by law.

How We Protect Your Information
We restrict access to nonpublic personal information about you to those credit union employees and officials who need to know that information to provide products and services to you. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

If you have any questions after reading this notice, please call us at:

What You Can Do
In addition to our efforts to protect your privacy, you can take the following steps to protect yourself:

• Before revealing personal financial information, find out how it will be used and if it will be shared with others.
• Only give your social security number when it's absolutely necessary.
• Keep items with personal information in a safe place and either tear them up or shred them when you don't need them anymore.
• Protect your account numbers, card numbers, personal identification numbers (PIN's), and passwords. Never keep your PIN with your ATM, debit or credit cards as this can provide easy access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security number, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff has access to your information and will not need to ask for it. When you call the credit union, we may ask you for personal information in order to verify your identity. We do this for your protection.
• Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

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