Privacy Policy and Online Privacy Policy
It’s always our goal to keep your private information safe and secure. Below you’ll find a copy of our Privacy Policy which states how and/or when your information is used.
FACTS: What Does PAHO/WHO FCU 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 and Date of Birth
- Address and Income
- Payment History and Account Balances
When you are no longer our member, we continue to share your information as described in this notice.
HOW
All financial companies need to share customers’ 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 PAHO/WHO FCU chooses to share, and whether you can limit this sharing.
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION |
DOES PAHO/WHO FCU SHARE? |
CAN YOU LIMIT THIS SHARING? |
| FOR YOUR 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 | NO | WE DON'T SHARE |
| FOR OUR AFFILIATES’ EVERYDAY BUSINESS PURPOSES — information about your creditworthiness | NO | WE DON'T SHARE |
| FOR OUR AFFILIATES TO MARKET TO YOU | NO | WE DON'T SHARE |
| For NON-AFFILIATES TO MARKET TO YOU | NO | WE DON'T SHARE |
WHO WE ARE
Who is providing this notice?
PAHO/WHO FCU
WHAT WE DO
How does PAHO/WHO FCU 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 PAHO/WHO FCU collect my personal information?
We collect your personal information, for example, when you:
- Open an account or apply for a loan
- Pay your bills or deposit money
- Use your debit or credit card
We also collect information from others, such as credit bureaus.
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 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. PAHO/WHO FCU does not have any affliates
Non-Affiliates Companies not related by common ownership or control.
They can be financial and nonfinancial companies. PAHO/WHO FCU does not share with non-affiliates
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Examples where we share information under joint marketing agreements are: CUNA Mutual
Other Important Information
Privacy Notice: Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information at www.pahofcu.org/accounts/disclosures or we will mail you a free copy upon request if you call us at 866-724-6328.
OUR ONLINE PRIVACY PRACTICES
Keeping financial and personal information secure is one of our most important responsibilities. PAHO/WHO FCU 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, 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, PAHO/WHO FCU uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.
EMAIL SECURITY
Regular Internet email is not secure. You should never provide information that is sensitive or confidential 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, PAHO/WHO FCU 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 PAHO/WHO FCU 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 PAHO/WHO FCU. 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/.
PRIVACY POLICY
To learn what PAHO/WHO FCU does with your personal information please view our Privacy Notice above or contact us by mail, phone (866-724-6328), or email.