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:
- Social Security number and account balances
- Credit history and overdraft history
- Payment history and overdraft history
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
- open an account or apply for financing
- show us your driver's license or provide account information
- use your credit or debit card
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
- sharing for affiliates’ everyday business purposes – information about your creditworthiness
- affiliates from using your information to market to you
- sharing for non-affiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
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.
Last updated- December - 2019
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:
- to respond to your inquiries and fulfill your requests;
- to inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information;
- to deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you
- to allow you to apply for products or services (e.g., apply for a credit card, or other financial product) and evaluate your eligibility for such products or services;
- to verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of account and Personal Information;
- to allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared;
- to allow you to use some Site financial planning tools. Information that you enter into one of these planning tools may be stored for future access and use. You have the option not to save the information;
- collected through our social media pages and other online interactions with you to assist in verifying your identity and account status. We may combine this online information with information collected from offline sources or information we already have;
- for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;
- for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;
- to allow you to utilize features within our Sites by granting us access to information from your device such as contact lists, or geo-location when you request certain services.
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:
- Through your browser or device: Certain information is collected by most browsers and/or through your device, such as your Media Access Control (MAC) address, device type, screen resolution, operating system version and internet browser type and version. We use this information to ensure Sites function properly, for fraud detection and prevention, and security purposes.
- Other technologies including pixel tags, web beacons, and clear GIFs: These may be used in connection with some Site pages, downloadable mobile applications and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, to compile statistics about usage and response rates, to personalize/tailor your experience while engaging with us online and offline, for fraud detection and prevention, for security purposes, for advertising, and to assist us in resolving account holders’ questions regarding use of our Site. Please see our advertising section below for more information regarding our use of other technologies.
- Flash objects: As part of our solutions for online authentication, we use Flash objects (sometimes referred to as “Local Shared Objects”) to help us recognize you and your device when you come back to the Site. For our pages running Adobe® Flash® content (demos and tutorials with moving content), we use Flash objects to determine your browser type and version of Adobe Flash in order for you to view the content. We do not use Flash objects for any online behavioral advertising purpose. Deleting cookies does not delete Flash objects. You can learn more about Flash objects - including how to control and disable them - through the Adobe interface. If you choose to disable Flash objects from our site, then you may not be able to access and use all or part of the site or benefit from the information and services offered.
- IP Address: Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites. We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, to personalize/tailor your experience while engaging with us online and offline, for compliance and security purposes, for advertising, and administering the Site.
- Aggregated and De-identified Data: Aggregated and De-identified Data is data that we may create or compile from various sources, including but not limited to accounts and transactions. This information, which does not identify individual account holders, may be used for our business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.
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.
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:
- Present tailored ads, to you including:
- Banner ads and splash ads that appear as you sign on or off of your online accounts on our Sites, within mobile banking and other mobility applications
- E-mail, postal mail, and telemarketing, and,
- On other sites and mobile apps not affiliated with PAFCU;
- Analyze the effectiveness of our ads; and
- Determine whether you might be interested in new products or services
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
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
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:
- by telephone at 248-619-0440.
- through your assigned account representative (e.g., Mortgage Loan Officer) or a representative at a banking center
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.
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
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.
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:
- 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.
- 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.
- 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