FACTS
WHAT DOES PALMETTO CITIZENS FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
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(s) or service(s) you have with us. This information can include:
- Social Security Number, income and employment information
- Payment, transaction and/or loss history
When you are no longer our member, we continue to share your information as described in this notice.
How?
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 Palmetto Citizens Federal Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we share your personal information | Does Palmetto Citizens FCU Share? | Can you 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 | 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 non-affiliates to market to you. | No | We don’t share |
Questions? Call (803) 732-5000 or 1-800-435-5626 or go to www.palmettocitizens.org.
What we do:
How does Palmetto Citizens 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 Palmetto Citizens Federal Credit Union collect my personal information?
We collect your personal information, for example, when you:
- Open an account or apply for a loan
- Initiate a financial transaction on your account(s)
- Use your debit or credit card(s)
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
- 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 non-financial companies.
Palmetto Citizens Federal Credit Union has no affiliates.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
Non-affiliates we share with can include companies used to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.
Joint marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Our joint marketing partners may include investment, insurance and other financial service companies engaged in direct marketing and the selling of consumer products and services.
Questions? Call (803) 732-5000 or 1-800-435-5626 or go to www.palmettocitizens.org.
Revised: March 2016