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Privacy Policy

Rev. 6/2012

PUBLIC EMPLOYEES CREDIT UNION PRIVACY POLICY

FACTS WHAT DOES PUBLIC EMPLOYEES 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.At Public Employees Credit Union, we respect the privacy of our members. We recognize
the importance of maintaining the confidentiality of your personal financial information. This
notice describes the privacy policy and practices followed by Public Employees Credit
Union. This notice explains what types of member information we collect and under what
circumstances we may share it.
WHAT? The types of personal information we collect and share depend on the accounts or services
you have with us. This information can include:

  • Name, address, Social Security number, and account balances
  • Checking Account information and overdraft history
  • Credit history and transaction or loss history

When you are no longer our member, we continue to share your information as permitted or
required by law and 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 Public Employees Credit Union chooses to
share; and whether you can limit this sharing.
Reasons we can share your personal information Does Public Employees 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		 Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes—
information about your transactions and experiences		 NA NA
For our affiliates’ everyday business purposes—
information about your creditworthiness		 NA NA
For our affiliates to market to you NA NA
For non-affiliates to market to you No We don’t share
Questions? Call (800) 772-1955 or (512) 474-1955, send us an email at member@pecutx.org or write
to us at: Public Employees Credit Union, PO Box 2205, Austin, Texas 78768-2205.
What we do
How does Public Employees 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. We also restrict access to
non-public personal information about you to those
employees and volunteers who need to know the information
to provide products or services to you.
How does Public Employees Credit Union
collect my personal information?		 We collect your personal information, for example, when you

  • open an account or deposit money
  • apply for any credit union service, including a loan
  • show us your driver’s license

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 information sharing as
follows:

  • sharing for affiliates’ 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.

  • We have no affiliated companies
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Public Employees Credit Union does not share with non-affiliates so they can market to you.
Joint Marketing A formal agreement between Public Employees Credit Union and a non-affiliated financial company where we jointly market financial products or services to you.

  • Our joint marketing partners may include financial service providers and insurance-related businesses.

 

Data Deletion Right
User data collected through online banking channels is automatically deleted within 90 days. As a member you have the right to request the deletion of any data we collected from you at any time, subject to certain exceptions. After receiving your request for data deletion, we will verify your request for deletion. If no exception applies we will delete any personal information we have collected from you.

Requesting Deletion of Data
To Exercise your right to request deletion of data a member may submit a verifiable request to us by either:

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