Privacy Policy
What Does People’s 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 or service you have with us. This information can include:
- Social Security number
- Credit history
- Payment history
- Mortgage rates and payments
- Transaction or loss history
- Wire transfer instructions
When you are no longer a 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 People’s Credit Union chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
| Does People’s Credit Union 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 report to credit bureaus | Yes | No |
| For our marketing purposes – to offer our products and services to you | No | We don’t share |
| 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 non-affiliates to market to you | No | We don’t share |
What We Do
How does People’s 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 People’s Credit Union collect my personal information?
We collect your personal information, for example, when you:
- Open an account
- Make a wire transfer
- Apply for a loan
- Show your driver’s license
- Provide employment 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
- Sharing for nonaffiliates 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 non-financial companies.
- People’s Credit Union has no affiliates.
- Non-affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.
- People’s Credit Union does not share with 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 Credit Card Companies, Insurance Companies, and Financial Services Companies.
Questions?
Call 800.498.8930 or go to www.peoplescu.com.
Cookie Policy
Internet Privacy Statement
People’s Credit Union takes the privacy of its members with tremendous seriousness. As such, we take steps to protect the privacy of your financial information. When you visit our website, we employ the safeguards below to help protect you against unauthorized use of your protected information.
People’s Credit Union Website
When you visit our website to browse, read, or download information, your web browser automatically sends us (and we may retain) information such as the:
- Internet domain through which you access the Internet (e.g., yourServiceProvider.com if you use a commercial Internet service provider, or yourSchool.edu if you use an Internet account from your school);
- Internet Protocol address of the computer you are using;
- Type of browser software and operating system you are using;
- Date and time you access our site; and
- The Internet address of the site from which you linked directly to our site.
- We will use this information as aggregate data to help us maintain this site, e.g., to determine the number of visitors to different sections of our site, to ensure the site is working properly, and to help us make our site more accessible and useful.
- We will not use this information to identify individuals, except for site security or law enforcement purposes.
- We will not obtain personally identifying information about you when you visit our site, unless you choose to provide such information.
Our Online Privacy Practices
Keeping financial and personal information secure is one of our most important responsibilities. People’s Credit Union is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, and we use the information you provide online to respond to your needs, service your accounts and provide you with information about other services.
Secure Transmissions
To ensure information remains confidential, People’s use encryption technology such as Secure Socket.
Layer (SSL) to protect the information you enter and submit from our website.
Email Security
Regular Internet email is not secure. You should never provide sensitive or confidential information such as your social security number, account number or PIN numbers. We also ask that you do not send personal or account Information through regular email.
Cookies
Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us.
We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services.
We collect statistical information about the usage of the site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the site and to assist us with resolving questions regarding the site. We also utilize cookies for advertising purposes. Tracking technologies also used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.
Linking to Other Sites
To provide you with easy access to information, People’s may provide links to other websites such as mortgage companies, insurance companies, government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and People’s does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by People’s. We
encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.
Google Analytics
Many websites and apps use Google services to improve their content. When they integrate Google services, these sites and apps share information with Google. We use Google Analytics to better understand how users are visiting and using our sites. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at
“How Google uses information from sites or apps that use our services” at google.com/policies/privacy/
partners/.
People’s Credit Union Mobile Banking App, PSCU DXMobile, and PSCU DXOnline
These mobile apps periodically collect, transmit, and uses geolocation information for enabling features such as but not limited to, card use and alerts to prevent fraudulent activities, but only if the end-user expressly authorizes the collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the feature(s) are being used or not at all, depending on the end user’s selection. The end user can change his/her/their location permissions at any time in their device settings.
We may use cookies in order to customize this site for return visitors. These cookies are not required for site functionality. Additionally, third-party widgets such as YouTube or Flickr may install cookies depending on their configuration. You are not required to accept any cookies to use this site.
We use a tool called “Google Analytics” to collect information about use of this site. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We use the information we get from Google Analytics only to improve this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use (as amended for government websites) and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser.
This website uses the Google AdWords remarketing service to advertise on third party websites (including Google) to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an inquiry. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to the peoplescu.com website. Of course, any data collected will be used in accordance with our own privacy policy and Google’s privacy policy.
You can set preferences for how Google advertises to you using the Google Ad Preferences page and if you want to you can opt-out of interest-based advertising entirely by cookie settings or permanently using a browser plug-in.
