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Premier
Financial Credit Union
PRIVACY
POLICY
The
following is Premier Financial Credit Union’s Privacy Policy and Notice
of Your Financial Privacy Rights for members.
We,
our, and us, when used in
this notice, mean Premier Financial Credit Union.
When
we use the words “you” and “your” we mean the following types of
members:
·
All of our consumer members who have a continuing
relationship with us, such as:
·
Deposit account
·
Loan account
·
Credit card
·
Safe deposit box
·
Retail installment contract we hold and service
·
Self-directed Individual Retirement Account where we act
as custodian or trustee
·
Home mortgage brokerage
We
will tell you the sources for nonpublic personal information we collect
on our members. We will tell you what measures we take to secure that
information.
We
will also tell you what information we share with other entities. We
will explain what your rights are, and how you can exercise them. If you
share your account relationship with someone else, for example where you
are a co-borrower or joint holder of a share draft account, we suggest
that you share this information with each other to ensure that each of
you are aware of our policy and your options.
We
first define some terms.
Nonpublic
personal information means information about you that we collect in
connection with providing a financial product or service to you.
Nonpublic personal information does not include information that is
available from public sources, such as telephone directories or
government records.
An
affiliate is a company we own or control.
A
nonaffiliated third party is a company that is not an
affiliate of ours.
Opt
out means a choice you can make to prevent
certain sharing of information. We will explain how you can exercise
this choice.
THE
INFORMATION THAT WE COLLECT
We
collect nonpublic personal information about you from the following
sources:
·
Information we receive from you on applications or other
forms
·
Information about your transactions with us
·
Information about your transactions with nonaffiliated
third parties
·
Information from a consumer reporting agency
THE
CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL
INFORMATION
We
restrict access to nonpublic personal information about you to those
employees who need to know that information to provide products or
services to you. We maintain physical, electronic, and procedural
safeguards that comply with federal regulations to guard your nonpublic
personal information.
NONPUBLIC
PERSONAL INFORMATION
AND
NONAFFILIATED THIRD PARTIES
We
may disclose nonpublic personal information to nonaffiliated third
parties. Here are the kinds of nonpublic personal information we disclose
to nonaffiliated third parties:
·
Nonpublic personal information we receive from you on an
application or other forms, such as
·
Name
·
Address
·
Social security number
You
may opt out of the disclosure of the information listed above.
Types
of Nonaffiliated Third Parties
We
may disclose nonpublic personal information about you to the following
types of nonaffiliated third parties:
·
Financial service providers, such as
·
Insurance companies
We
may also disclose nonpublic personal information about you to
nonaffiliated third parties as permitted by law.
NONPUBLIC
PERSONAL INFORMATION AND FORMER MEMBERS
We do not disclose nonpublic personal
information about former members, except as permitted by law.
YOUR RIGHT TO BLOCK THE DISCLOSURE
OF
YOUR NONPUBLIC PERSONAL INFORMATION
Nonaffiliated
Third Parties. If
you do not want us to share your nonpublic personal information with
nonaffiliated third parties, you can block the release of certain
nonpublic personal information. This is known as your right to “opt
out.”
Your
decision to block the disclosure of your nonpublic personal information
will apply to all products and services you receive from us,
If
you have a joint account, each participant of this account has a separate
right to opt out. If one of you chooses to opt out of the disclosure of
nonpublic personal information and another does not, only information
regarding the party who does not opt out will be disclosed. Any
participant on the account can opt out on behalf of any other participant
of the account.
If
you wish to opt out of disclosures, you may do so by checking the
appropriate box(es) on the Opt Out Notice that you received with this
notice and returning it to us at this address:
Premier Financial Credit Union
2017 Main Street
New Holstein, Wisconsin 53061
YOU
HAVE THE RIGHT TO CHOOSE
In
this notice, we have explained our policy about the disclosure of certain
information.
Nonaffiliated
Third Parties. We have explained the kinds of
nonpublic personal information we may disclose to nonaffiliated third
parties. We have also explained the kinds of nonaffiliated third parties
with whom we may disclose the nonpublic personal information. If you
prefer that we do not disclose nonpublic personal information to
nonaffiliated third parties, you may opt out of those disclosures, that
is, you may direct us not to make those disclosures (other than the
disclosures permitted by law).
Your
decision to block the disclosure of your nonpublic personal information
will apply to all products and services you receive from us.
If
you have a joint account, each participant of this account has a separate
right to opt out. If one of you chooses to opt of the disclosure of
nonpublic personal information and another does not, only information
regarding the party who does not opt out will be disclosed. Any
participant on the account can opt out on behalf of any other participant
of the account.
If
you wish to opt out of the disclosures, you may do so by checking the
appropriate box(es) below and returning this form to us at this address:
Premier Financial
Credit Union
2017
Main Street
New
Holstein, Wisconsin 53061
You
Have the Right to Choose
In
this notice, we have explained our policy about the disclosure of certain
information.
Nonaffiliated
Third Parties.
We have explained the kinds of nonpublic personal information we may
disclose to nonaffiliated third parties. We have also explained the kinds
of nonaffiliated third parties with whom we may disclose the nonpublic
personal information. If you prefer that we do not disclose nonpublic
personal information to nonaffiliated third parties, you may opt out of
those disclosures, that is, you may direct us not to make those
disclosures (other than the disclosures permitted by law).
Your
decision to block the disclosure of your nonpublic personal information
will apply to all products and services you receive from us.
If
you have a joint account, each participant of this account has a separate
right to opt out. If one of you chooses to opt out of the disclosure of
nonpublic personal information and another does not, only information
regarding the party who does not opt our will be disclosed. Any
participant on the account can opt out on behalf of any other participant
of the account.
If
you wish to opt out of disclosures, you may do so by checking the
appropriate box(es) below and returning this form to us at this address:
Premier Financial Credit Union
2017 Main Street
P.O. Box 158
New Holstein, WI 53061
q
Do not share my nonpublic personal
information with nonaffiliated third parties.
Name(s)_________________________________________________________________
Social
Security Number(s)__________________________________________________
Street
Address___________________________________________ Apt #____________
City,
State, ZIP___________________________________________________________
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