PCM Employees Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for the Credit Union.

To ensure that you can rely upon the quality of products and services we make available, your credit union stands behind the following privacy policies:

• PCM Employees Credit Union will collect only the non-public information that is necessary to conduct business. “Non-public information” is defined as that which is normally available to the public through open records but is necessary to provide competitive financial products and services including information which we:
  
  a. Receive from you on applications and other forms
  b. Collect from your transaction with us or others
  c. Request from a credit reporting agency
  d. Obtain when verifying information
  
  
• PCM Employees Credit Union will protect your personal information.
  
  a. PCM Employees Credit Union will maintain strong security controls to ensure that your information in the files and computers is protected.
  b. Where appropriate, the Credit Union will use security coding to prevent unauthorized access to your personal records, to ensure accuracy and integrity in all communications and transactions, and to protect your confidentiality.
  c. Employees and others will only be given information on a need-to-know basis.
  
  
• PCM Employees Credit Union will provide you with access to your private information.
  
  a. You will have the opportunity to review your information and make necessary changes to ensure that Credit Union records are complete and accurate.
  b. Access will be arranged during regular Credit Union office hours at a mutually agreed upon time so as not to inconvenience other members.
  
  
• PCM Employees Credit Union will only share information about you and former members when
  absolutely necessary or disclosures to other non-affiliated parties as permitted by law, such as:
  
  a. When sharing is necessary to administer the products and services.
  b. When we are required to do so by the regulatory bodies.
  c. When the Board of Directors decides to partner with other businesses to offer you a broader array of products and services.
  
  
• PCM Employees Credit Union will partner only with businesses that follow strict confidentiality
  requirements.
  
  a. Partnering businesses will only be selected if they can offer products designed to enhance your economic well-being.
  b. Under no circumstances will the Credit Union authorize these firms to change or access any of your accounts without your written consent nor to provide information to third parties.
  c. The Credit Union will not sell your information to telemarketing firms.
  
  
• PCM Employees Credit Union will offer you a choice on how your private information is to be used.
  
  a. Any member of PCM Employees Credit Union may elect to keep non-public information ("opt out") from being shared with business partners unless it is required for normal business activities such as credit reports, statement processing, check processing, etc.
  b. The Credit Union will inform you of how to exercise your choice, namely, by calling the Credit Union office during regular hours.
  c. The Credit Union will take all reasonable steps to make sure your requests are followed.
  d. At least once a year, the Credit Union will remind you of your right to "opt out".

PCMCU Website Privacy Policy 

*Effective October 1, 2000

We recognize and respect your need for privacy and security as you visit our site.  When you visit our site to view any pages, read product information, or use our on-line calculators and tools, you do so without telling us who you are and without revealing any personal information.  While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site.  This allows us to better understand how many people use our site and which pages and features are most popular.  The only information we normally collect and store is:

• The name of your Internet service provider

• The web site that referred you to us (if any).

• The date and time the pages were accessed.

• The page or pages you requested.

There are instances where you may elect to provide us with personal information.  If you fill out one of our feedback or request forms or send us email, you are transmitting the information that appears to you in the form or the message.  This will typically include information like your name, mailing address, email address, the kind of request you are making, and any other information necessary to fulfill your request.  You should never transmit personally identifying information that you do not enter yourself.  And this is always your option; this information cannot be collected unless you specifically elect to send it to us.  This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization.

When you submit personally identifying information via one of our feedback or application forms, that information is also encrypted, or scrambled, by your browser before it is transmitted back to our web site.  This effectively prevents anyone from intercepting and reading any personal information about you.  Note that this encryption does not take place if you send us email, but only when you use your web browser with one of our site's forms.

We hope you find our website useful and informative and are always willing to answer questions and receive suggestions.  If you have either, please e-mail the webmaster at (WEBMASTER EMAIL ADDRESS).  Thank you.

*We reserve the right to change our privacy policy.  A revised policy statement will only apply to data collected subsequent to its effective date.  Any revisions will be posted at least 30 days prior to its effective date.