Privacy Policy

The most basic element of our relationship with our members is trust.

We know that trust is a central part of all relationships. Be confident that we always have and always will protect the privacy of your personal information through careful administration of your non-public (private) information. We are disclosing a copy of this policy to you in compliance with the federal regulation that requires all financial institutions to notify members and customers of their privacy policy. We also do it because it’s the right thing to do.

Throughout this policy statement, the word “information” refers to personal information that may not be publicly available, the word “you” refers to members and/or former members of Piedmont Advantage Credit Union, and the word “we” refers to Piedmont Advantage Credit Union. We pledge to protect your financial and personal information by adhering to the following privacy policy.

What Do We Collect?

We only collect information about our members for lawful business practices as necessary to provide you with competitive products and services to meet your financial needs. We maintain strict procedural protections to safeguard your information. We collect information about members from the following sources:

• Information we receive from you on membership and loan applications and other forms, such as your name, address, Social Security number, assets, and income
• Information about your transactions with us, our affiliates, and others, such as your account balance, payment histories, parties to your transactions, and credit card usage
• Information we receive from a consumer reporting agency, such as your credit history
• Information obtained from current or past employers or other institutions where you conduct financial transactions when we verify data you provide.
• To comply with the USA Patriot Act, we may now obtain a copy of all new member driver’s licenses or similarly identifying documentation to verify the accuracy of the information obtained on account applications.
• MyPACUCard, our card management mobile app, periodically collects, transmits, and uses geolocation information for enabling features that prevent fraudulent card use and alerts, but only if you expressly authorize collection of such information. Geolocation information can be monitored on a continuous basis in the background only while MyPACUCard is being used or not at all, depending on your selection. You can change your location permissions at any time in your device settings.

Information We Disclose

We generally do not provide any non-public personal information about our members or former members, except as permitted by applicable law.

Our commitment to provide you with quality products and services to meet your financial needs necessitates that we occasionally share information about you to complete your transactions, and to provide you with certain financial opportunities. For instance, this includes companies that assist us in marketing efforts, investment counseling, insurance services, check printing, processing ATM, debit and credit card transactions, and member mailings. We hold service providers to the same standards of confidentiality and privacy we follow.

How We Protect Your Information

We pledge to take all reasonable precautions to protect the information you provide us.

We restrict access to information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations and industry standards to protect your non-public personal information. Occasionally, we may be required by law to disclose non-public information for governmental or judicial purposes.

Notices, Joint Relationships, and Modifications

We will provide all legally applicable notices to the member listed first on any application, agreement or other document. We reserve the right to modify this privacy policy at any time without notice other than expressly required by applicable law.

How You Can Protect the Security of Your Information

As a member-owner of Piedmont Advantage Credit Union there are practices you can routinely follow to safeguard your own information:

• Review your account statements carefully and timely.
• Report seemingly inaccurate information immediately.
• Maintain your records in a secure manner.
• Keep all passwords, PIN numbers, and access codes confidential.
• Log off after visiting online secure web sites such as home banking, brokerage, or sites where purchases are made online.

If you have questions about our Privacy Policy, we're here to answer.
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