PINE BELT FEDERAL CREDIT UNION

Privacy Notice

What does Pine Belt Federal Credit Union do with my 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 accounts, products or services you have with us. This information can include:

  • Name, address, Social Security Number, and income
  • Account balances and payment history
  • Credit history and credit scores

All financial companies need to share member’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member’s personal information; the reasons Pine Belt Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your information

  1. For our everyday business purposes-such as to process your transactions, maintain the
    account(s) you have with us, respond to court orders and legal investigations, or report
    to credit bureaus. Does Pine Belt Federal Credit Union share? Yes. Can you limit this sharing? No.
  2. For our marketing purposes-to offer our products and services to you. Does Pine Belt Federal Credit Union share? Yes. Can you limit this sharing? No.
  3. For joint marketing with other financial companies. Does Pine Belt Federal Credit Union share? Yes. Can you limit this sharing? No.
  4. For our affiliates’s everyday business purposes-information about your transactions and experiences. Does Pine Belt Federal Credit Union share? No. Can you limit this sharing? We do not share.
  5. For our affiliate’s everyday business purposes-information about your creditworthiness. Does Pine Belt Federal Credit Union share? No. Can you limit this sharing? We do not share. For our affiliates to market to you. Does Pine Belt Federal Credit Union share? No. Can you limit this sharing? We do not share.
  6. For non-affiliates to market to you. Does Pine Belt Federal Credit Union share? No. Can you limit this sharing? We do not share.

How does Pine Belt 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, secured files and buildings, procedural safeguards and safe record storage. We will continue to review and modify our security controls in the future to deal with changes in products, services and technology.

How does Pine Belt Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

  • open an account
  • apply for a loan
  • use your credit or debit card
  • pay your bills
  • make deposits to or withdrawals from the accounts you have with us

We also collect your personal information from others, including credit bureaus or other
companies.

Why can’t I limit all sharing?

Federal law only gives you the right to limit:

  • sharing for affiliate’s 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 laws 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.
• Pine Belt Federal Credit Union has no affiliates.
Non-affiliates – Companies not related by common ownership or control. They can be financial
and nonfinancial companies.
• Pine Belt Federal Credit Union does not share with non-affiliates so that they can market to
you.
Joint marketing – A formal agreement between non-affiliated financial companies that together
market financial products or services to you. Our marketing partners include:
• Investment companies
• Insurance companies
• Other financial service providers

Questions?

Call us at 601-583-3242 or toll free at 888-319-2092, or visit us online at www.pinebeltfcu.com.