Peninsula Federal Credit Union Privacy & Security Information
Peninsula Federal Credit Union is committed to provide you with financial products and services to meet your financial goals. We are required by federal law to give you this privacy notice. It describes our policies and practices that protect your privacy and enable us to share information to make available competitive financial products and services. If you have any questions after reading it, please contact PFCU at (906) 789-6400 or (906) 786-2732.
Information We Collect and Disclose About You
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 and credit card or other debt
credit history and credit scores
overdraft history and payment history
We may disclose all the information we collect.
Our commitment to provide you with competitive products and services may require that we share information about you with our affiliate, CU*Answers, which provides data processing services, or our affiliate, Service Centers Corporation/Co-Op Network, which provides shared branching and ATM/debit card services.
We may also disclose all the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not allow these companies to sell the member information we provide to other third parties.
We may also disclose information about you under other circumstances as permitted or required by law. These disclosures typically include information to follow your instructions as you authorize, to conduct the operations of the credit union, or to protect the security of our financial records.
How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.
What Members can Do to Help
Peninsula Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these sample guidelines:
- Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debt or credit card which can provide free access to your accounts if your card is lost or stolen.
- Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
- Keep your information with us current. It is important that we have current information on how to reach you.
- If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
- Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!
When visiting this website, information about your browser type, operating system, IP address, and the domain from which you came are collected. Except for what you submit to us, we do not collect any personally identifiable information. Any personally identifiable information that you give us will only be used to respond to you and will not be retained. Any information that we do collect is only used in aggregate to determine whether improvements can be made to our service. The information is not permanently stored.
Important Information About Procedures For Opening A New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Scope and Overview
This policy outlines how Peninsula Federal Credit Union, its vendors, and/or the licensor of the Peninsula Federal Credit Union's consumer verification software processes biometric data collected from you for identity verification and fraud prevention purposes.
Biometric Data Defined
As used in this policy, biometric data includes "biometric identifiers" and "biometric information". "Biometric identifier" means a retina or iris scan, fingerprint, voice print, or scan of hand or face geometry. As the term is used in this policy, the selfie photograph you upload to the software for use in the biometric algorithm is considered a "biometric identifier." "Biometric information" means any information, regardless of how it is captured, converted, stored, or shared, based on an individual's biometric identifier used to identify an individual.
Disclosure and Authorization Policy
To the extent that Peninsula Federal Credit Union, its vendors, and/or the licensor of the Peninsula Federal Credit Union's consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, Peninsula Federal Credit Union must first:
- Inform each consumer that Peninsula Federal Credit Union, its vendors, and/or the licensor of the Peninsula Federal Credit Union's consumer verification software are collecting, capturing, or otherwise obtaining the employee's biometric data, and that the Peninsula Federal Credit Union is providing such biometric data to its vendors and the licensor of the Peninsula Federal Credit Union's consumer verification software;
- Inform the consumer of the specific purpose and length of time for which the consumer's biometric data is being collected, stored, and used; and
- Receive consent by the consumer authorizing Peninsula Federal Credit Union, its vendors, and/or Peninsula Federal Credit Union's consumer verification software to collect, store, and use the consumer's biometric data for the specific purposes disclosed by the Peninsula Federal Credit Union, and for Peninsula Federal Credit Union to provide such biometric data to its vendors and the licensor of the Peninsula Federal Credit Union's consumer verification software.
- Peninsula Federal Credit Union, its vendors, and/or the licensor of the Peninsula Federal Credit Union's consumer verification software will not sell, lease, trade, or otherwise profit from employees' biometric data; provided, however, that the Peninsula Federal Credit Union's vendors and the licensor of the Peninsula Federal Credit Union's consumer verification software may be paid for products or services used by Peninsula Federal Credit Union that utilize such biometric data. This policy is intended to comply with all federal, state, and local laws.
Purpose for the Collection of Biometric Data
Peninsula Federal Credit Union, its vendors, and/or the licensor of Peninsula Federal Credit Union's consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.
Peninsula Federal Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of the Peninsula Federal Credit Union's consumer verification software providing products and services using biometric data without/unless:
- First obtaining consumer consent to such disclosure or dissemination; The disclosed data completes a financial transaction requested or authorized by the consumer;
- Disclosure is required by law or ordinance; or
- Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.
Peninsula Federal Credit Union shall use a commercially reasonable standard of care to store, transmit and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure shall be performed in a manner that is the same as or more protective than the manner in which Peninsula Federal Credit Union stores, transmits and protects from disclosure other confidential and sensitive information, including personal information that can be used to uniquely identify an individual or an individual's account or property, such as genetic markers, genetic testing information, account numbers, PINs, driver's license numbers and social security numbers.
Peninsula Federal Credit Union shall retain consumer biometric data only until, and shall request that its vendors and the licensor of Peninsula Federal Credit Union's consumer verification software permanently destroy such data when, the first of the following occurs:
- The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity;
- Request of consumer to destroy the biometric data; or
- Within 30 days of consumer's provisioning of biometric data.
If you have any questions about our use, storage, or security of your biometric data you can contact us at: firstname.lastname@example.org.
BIOMETRIC INFORMATION CONSUMER CONSENT
General Website Pages:
Visitors of Peninsula Federal Credit Union Web site will remain anonymous. We do not collect personal identifying information about visitors to our Web site. Our servers collect standard non-identifying information about visitors to the site, such as date and time visited. This information is used to compile standard statistics on site usage.
Protecting Children's Privacy Online:
The Children's Online Privacy Protection Act (COPPA) was passed by Congress in October 1998, with a requirement that the Federal Trade Commission (FTC) issue and enforce rules concerning children's online privacy. The primary goal of the Act and the Rule is to place parents in control over what information is collected from their children online. The Rule was designed to be strong, yet flexible, to protect children while recognizing the dynamic nature of the Internet. Click here to read the Frequently Asked Questions about the Children's Online Privacy Protection Rule.
Personal information contained in e-mail sent by members and non-members may be used by the credit union’s staff to answer questions, to follow up on suggestions or complaints or to improve the level of service Peninsula Federal Credit Union provides. Please be advised that we can not guarantee the security of e-mail messages against interception by unauthorized individuals. Therefore, you can also communicate to Peninsula Federal Credit Union by telephone or mail:
Peninsula Federal Credit Union
2929 3rd Ave N
Escanaba, MI 49829-0717
Our Web site will be checked every day that we are open for lobby business. The loan department will treat a loan application received via our Web site the same as a loan application taken via telephone or in person. Your loan application will be processed as soon as possible. If further information is necessary to complete your application you will be contacted. You will be contacted regarding the approval or denial of the application.