Polish-American Federal Credit Union Privacy Notice

What Polish-American Federal Credit Union Does 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 PAFCU. This information can include:

When you are no long a PAFCU member, we continue to share your information as described in this notice.

All financial companies need to share Members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons PAFCU chooses to share; and whether you can 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 to report to credit bureaus.  PAFCU can share this information. The member cannot limit the sharing.

For our marketing purposes – to offer our products and services to you. PAFCU can share this information. The member cannot limit the sharing.

For joint marketing with other financial companies -- PAFCU can share this information. The member cannot limit the sharing.

For our affiliates’ everyday business purposes – information about your transactions and experiences. PAFCU does not share this information.

For our affiliates’ everyday business purposes – information about your creditworthiness. PAFCU does not share this information.

For non-affiliates to market to you -- PAFCU does not share this information.

What We Do:

How does PAFCU protect your 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 PAFCU collect your personal information?

We collect your personal information, for example, when you

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t PAFCU limit all sharing?

Federal law gives members the right to limit only

State law and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates: Companies related by common ownership or control. They can be financial or non-financial companies. We have no affiliates.

Non-Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. PAFCU does not share with our non-affiliates so they can market to you.

Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include credit card companies, insurance companies and financial service companies.

Polish-American Federal Credit Union Online Privacy Policy

Last updated- December - 2019

This Online Privacy Policy ( Policy) applies to this Polish-American Federal Credit Union online interface (i.e., website or mobile application) and any Polish-American Federal Credit Union affiliate or subsidiary online interface that links to this Policy, (each, a Site, and, collectively, Sites). The term "Polish-American Federal Credit Union" or "we" or "us" or "our" in this Policy refers to affiliates or subsidiaries of Polish-American Federal Credit Union that link to this Policy. This Policy describes how Sites may collect, use and share information from or about you, and explains how information may be collected and used for advertising purposes.

For account holders and visitors to this Site, we will use and share any information that we collect from or about you in accordance with the PAFCU Privacy Notice, which provides choices in the use and sharing of information. By using the Site, you agree to the terms and conditions of this Policy.

Collecting and Using Information

Personal Information We Collect Online

Personal Information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers.

We will never ask for confidential information, including requests that you provide electronic banking credentials, in an unsolicited email or phone call.

How We Use Personal Information

We may use Personal Information:

How Personal Information is Shared

Please see the PAFCU Privacy Notice for information on how personal information may be shared and how you may be able to limit certain types of sharing.

Other Information We Collect Online

Other Information is any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, and aggregated and de-identified data.

How We Collect and Use Other Information

We and our third-party service providers may collect and use Other Information in a variety of ways, including:

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see identifying documents if you complete your account application in person.

Additional Information

Advertising

PAFCU advertises online (e.g., pages within our Sites and mobile apps through our managed social media presences, and on other sites and mobile apps not affiliated with PAFCU) and offline (e.g. through call centers and direct marketing). In order to understand how advertising performs, we may collect certain information on our Sites and other sites and mobile apps through our advertising service providers using cookies, IP addresses, and other technologies. The collected information may include the number of page visits, pages viewed on our Sites, search engine referrals, browsing activities over time and across other sites following your visit to one of our Sites or apps, and responses to advertisements and promotions on the Sites and on sites and apps where we advertise.

PAFCU uses information described in this Policy to help advertise our products and services, including prescreened offers of credit, in a variety of ways. We use such information to:

How we tailor ads:

Relationship based advertising

In order to help make our advertising informative and useful, we may use information about your relationship with us (such as types of accounts or transactional information) to help determine which advertisements or offers to present to you.

Online Behavioral Advertising

We or our advertising service providers may use certain information about your activities on our Sites, such as pages visited and search key words entered to help determine which of our advertisements or offers may be of interest to you. We limit access and collection of information for specific purposes by advertising service providers. We may use this online information for online and offline advertising.

Advertising on third party sites and mobile apps

PAFCU contracts with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. We may use Aggregated and De-identified Data and information provided by you to these third party sites and mobile apps to select which of our advertisements or offers may appeal to you, display them to you and monitor your responses. Third Party sites and mobile apps are not subject to our Privacy Policy. Please visit the individual sites and mobile apps for additional information on their data and privacy practices and opt out policies.

Online Behavioral Advertising on third party sites and mobile apps

Some of our tailored ads are online behavioral advertising, and may be served using data collected by third party providers. Ads served on our behalf by these companies do not contain unencrypted Personal Information and we limit the use of information by companies that serve our ads. To learn more about this practice and your choices in connection with it, see the section Advertising Choices below

Advertising Choices

You may set your choices for advertising in the following ways:

PAFCU Managed Direct Marketing: If you prefer we not deliver you marketing offers in email, postal mail or through telemarketing you may manage your direct marketing choices online or:

Important Reminder

In order for online behavioral advertising opt outs from our Sites and on other sites to work on your device, your browser must be set to accept cookies. If you delete cookies, buy a new device, access our Site or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt-out again. If your browser has scripting disabled, you do not need to opt out, as online behavioral advertising technology does not work when scripting is disabled. Please check your browser's security settings to validate whether scripting is active or disabled.

Mobile Applications

PAFCU's Mobile Applications for accounts ("Applications") allows you to access your account balances, transfers and pay bills on your mobile device. This policy applies to any Personal Information or Other Information that we may collect through the Applications.

Linking to other sites

We may provide links to third party sites, such as credit bureaus, service providers or merchants. If you follow links to sites not affiliated or controlled by PAFCU, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. PAFCU does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.

Social media sites

PAFCU provides experiences on social media platforms that enable online sharing and collaboration among users who have registered to use them. Any content you post on official PAFCU managed social media pages, such as pictures, information, opinions, or any Personal Information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms. Please refer to them to better understand your rights and obligations with regard to such content. In addition, please note that when visiting any official PAFCU social media pages, you are also subject to PAFCU's Privacy Notices.

Security

To protect Personal Information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third party service providers to ensure information remains confidential and secure.

Making sure information is accurate

Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please use the Contact Us option on our site, or call or write to us at the telephone numbers or appropriate address for changes listed on your account statements, records, online or other account materials. You can also speak to a customer representative at a banking center or an account representative.

Protecting children’s privacy online

The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children's Online Privacy Protection Act (COPPA).

Protecting individual health information

To the extent that we receive, maintain, or process an individual's protected health information, PAFCU may disclose that information as authorized by and in accordance with applicable federal and/or state law.

Updates to this Privacy Policy

This Online Privacy Policy is subject to change. Please review it periodically. If we make changes to the Online Privacy Policy, we will revise the “Last Updated” date at the top of this Policy. Any changes to this Policy will become effective when we post the revised Policy on the Site. Your use of the Site following these changes means that you accept the revised Policy.

Cookie Guide

The use of cookies and similar technologies is a common internet practice. We have developed this Cookie Guide to provide very general information on cookies and similar technologies (including pixel tags, web beacons, clear GIFs and Flash objects). The PAFCU Online Privacy Policy provides detailed information on how we use cookies.

What are cookies?

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are useful in a number of ways, including allowing a website that you use to recognize your device, keep track of pages visited and even remember your preferences. Cookies can expire at the end of a browser session (these are called “session” cookies) or they can be stored longer (these are called “persistent” cookies).

Cookies can be used in the following ways:

  1. Functionality cookies: enable you to move around a website and use its features, including accessing secure areas of the website. Without these cookies, services you have asked for cannot be provided. These cookies also allow a website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, a website may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you may have customized. They may also be used to provide services you have asked for such as watching a video or commenting on a blog.
     
  2. Performance cookies: are used to improve how a website works. They collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a particular individual visitor, as the information is aggregated only.
     
  3. Targeting or Advertising cookies: these are used to deliver advertisements that may be relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website and this information may be shared with other organizations such as advertisers.

What are similar technologies?

Pixel tags, web beacons and clear GIFs (graphics interchange format) are tiny files used to monitor navigation on a website and may be used with cookies.

Flash objects (local shared objects) are small files stored on your device by a website using Adobe’s Flash player technology.

How can users manage cookies and similar technologies?

You may be able to control your acceptance of cookies and similar technologies on a website, and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. If you do not accept cookies, you may experience some inconvenience in your use of some sites and online products. For example, a website may not be able to recognize your device and you may need to answer challenge questions or provide additional information each time you log on. Deleting cookies does not delete Flash objects. You can learn more about Flash objects including how to control and disable them on the Adobe website.

You can find additional information on cookies and similar technologies used on various websites through your browser or other internet resources.

Go to main navigation