Peninsula Credit Union, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union’s privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

Information We Collect About You

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms, such as your name, address, social security number, birth date, assets and income;

• Information about your transactions with us, our affiliates, or others, such as your account number, balance, payment history; and

• Information we receive from consumer reporting agencies, such as your creditworthiness and credit history.

• We may disclosure all of the information that we collect, as described above, as permitted by law.

Disclosure of Information to Parties that Provide Services To Us

In order for us to conduct the business of the credit union, we may disclose all of the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, and follow your instructions as you authorize, or protect the security of our financial records.

Disclosure of Information About Former Members

If you terminate your membership with Peninsula Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees and volunteers who need to know that information to provide products or services to you. Our employees and volunteers are trained on 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 You Can Do To Help

Peninsula Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide 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 explaining the call is on behalf of the credit union and asks you 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. If your address or phone number changes, please let us know. 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 after reading this notice you have questions,
please contact us at: 800-426-1601 or write to:

Privacy Notice, Peninsula Credit Union,
PO Box 2150, Shelton, WA 98584

Terms and Conditions for Peninsula Credit Union Site

We are pleased to provide the Peninsula Credit Union Internet site in the domain www.pcfcu.org ("Site"). It is provided subject to the following terms and conditions. Please read them carefully as any use of the Site constitutes your agreement to all of them, including but not limited to our Online Privacy Statement. If you do not agree, please exit the Site at this time.

License Grant and Use Restrictions; Your Indemnification.

Our Site is intended to provide members of PCFCU ("you") easy access to information about Peninsula Community Federal Credit Union ("PCFCU", "we" or "us"). We grant you a nonexclusive, revocable license to copy or print an unaltered permanent copy of information on the Site for your personal use, non-commercial purposes only. You may not otherwise copy, modify, publicly distribute or display, perform, publish, license, create derivative works from, transfer, or sell anything obtained from this Site.

You agree that you will not alter any Site information and will not use (or allow others to use) the Site or any information obtained from it for any wrongful, unauthorized or unlawful purpose and agree to indemnify and hold PCFCU and its affiliates harmless from and against any loss, damage or expense (including attorneys fees) incurred by them because of any such use.

Privacy.

We understand that you are concerned about privacy. For information about how we treat information that you provide us through the Site, please see our Privacy Statement.

Information Accuracy - NO WARRANTIES.

All information is either generated by PCFCU or is obtained from sources believed by us to be accurate and reliable as of the date posted on the Site. However, because of the possibility of human and mechanical error, delayed updates, as well as other factors such as the difficulty of securing a web site from unauthorized alterations or the occurrence of a system breakdown or other unavailability, neither PCFCU nor any of its affiliates provide any representations or warranties regarding the Site or any information in it. The Site and all information is provided "AS IS" and with all faults, and PCFCU makes no representations and disclaims all implied warranties of every kind, including warranties or any duties (if any) as to accuracy, timeliness, completeness, suitability, availability, merchantability, and fitness for any particular purpose, or lack of negligence or viruses. PCFCU does not provide any warranty against infringement or of quiet enjoyment, and makes no express warranties.

Links to Other Sites.

Our Site contains hyperlinks to sites operated by third parties. When you click on the link, you will leave our Site and go to the linked site. We are not responsible for the contents or use of the linked sites, and their terms and conditions apply.

Damages and Remedies are Limited and Exclusive

NO INCIDENTAL OR CONSEQUENTIAL CHANGES.
To the full extent allowed by applicable law, you agree that neither PCFCU nor any of its affiliates will be liable to you and/or any third party for any consequential or incidental damages (including but not limited to lost profits or lost opportunity), or any other indirect, special, or punitive damages whatsoever, that arise out of or are related to the Site, or any use of it or information in it, even if PCFCU has been advised of the possibility of such damages. This exclusion of damages includes damages claimed in any cause of action, including but not limited to legal or equitable proceedings and claims relating to contract, tort products liability.

Limitation on damages and exclusive remedy.

You agree that your recovery for any damages that you incur shall be limited, at PCFCU's election, to: (1) a refund of any amount (if any) you paid for information from the Site or for any use that caused a problem, or (2) correction or replacement of the information. Any failure or unconscionability of any remedy does not affect the enforceability of the limitations on and exclusions of consequential, incidental and other damages, and you expressly agree that those limitations and exclusions are independent of the performance of any or all agreed remedies. All limitations will apply to all legal and equitable theories, including but not limited to contact, tort and products liability.

We want to be of Service.
Contact us if you have questions or problems with this Site.

Thank you for allowing us to be of service.

  We Do Business In Accordance With The Federal Fair Housing Law
and The Equal Credit Opportunity Act.