Privacy Policy

Keeping you informed

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GENERAL PRIVACY STATEMENT

What does Peoples Advantage Federal Credit Union do with your personal information?

FACTS

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 your Social Security number and account balances, credit card or other debt and credit history, credit scores, and payment history. When you are no longer our member, we continue to share your information as described in this notice.

HOW?

All financial companies must 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 Peoples Advantage Federal Credit Union chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information

Does Peoples Advantage Federal Credit Union share?

Can you limit 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

Yes

No

For our marketing purposes – to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

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 our affiliates to market to you

No

We don't share

For nonaffiliates to market to you

Questions? Call

804.748.3081

WHAT WE DO

How does Peoples Advantage Federal 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 Peoples Advantage Federal Credit Union collect my personal information?

We collect your personal information, for example, when you open an account or make a wire transfer, show your government-issued ID, or apply for financing, give us your contact information. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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, and sharing for nonaffiliates to market to you. 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 and nonfinancial companies. Peoples Advantage Federal Credit Union has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. Peoples Advantage Federal Credit Union does not share with our nonaffiliates 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 CUNA Mutual Group's MEMBERCONNECT.

ONLINE PRIVACY NOTICE

We may request access or permission to certain features from your mobile device, including your mobile devices (Bluetooth, calendar, camera, contacts, microphone, reminders, sensors, SMS Messages, social media accounts, storage, etc.) and other features. If you wish to change our access or permissions, you may do so in your device's settings. Your contact list is collected by us in the mobile application during the use of the Bill Pay feature. This information is used to prepopulate forms when adding a contact in Bill Pay for the purpose fo sending payments to people and businesses you know and trust. You will be prompted by our application before granting this permission, and may still use the Bill Pay feature without allowing access to your contact list. This information is not shared with any third party or used for any other purposes. To turn off this permission at any time, go to your app settings on your device, and turn off the permission for Contacts by selecting "Don't allow."

Requests to delete or close an account requires that you notify us one of the following ways:

Once an account is closed, you will no longer be able to access any information online about your account. Archived statements will be available for seven years from the date of account closure by written request to the Credit Union.

View the information above for our General Privacy Statement.

MOBILE INFORMATION

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with third parties.

COOKIES STATEMENT

We strive to provide valuable information through our website. Whether you are a current member or looking to become one, we hope our site answers your questions about our products and services. Peoples Advantage FCU utilizes cookies for analytical and marketing purposes.

We may use marketing cookies, sometimes referred to as "advertising cookies," to market products and services in which you may be interested. To target our ads, we use data obtained from analyzing online activities, such as the pages you visit on our website or a third party's website. We may advertise to you on our own website, on third-party websites, or on other media, such as social media platforms.

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