Privacy
Please read our privacy policies below:
Privacy Policy
PremierOne Credit Union respects the privacy of all our members and recognizes that keeping your financial information secure is one of our most important responsibilities.
PremierOne Credit Union collects images of checks on our mobile and desktop applications to enable you to deposit funds remotely. We only use the images to process deposits and display them in your transaction history. We don't share these images. Images in our mobile application are uploaded at the users' discretion for purposes of personalization and are only used by the end user.
Our Privacy Policy addresses information about PremierOne Credit Union’s practices in collecting and protecting your personal information's privacy under both Federal and California Law. You have specific rights under Federal and California Laws, which are disclosed separately below.
Federal Law
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FACTS |
WHAT DOES PREMIERONE CREDIT UNION 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:
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| How? | All financial companies must share members’ 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 PremierOne Credit Union chooses to share, and whether you can limit this sharing. |
| Reasons we can share your personal information |
Does PremierOne Credit Union share? |
Can you limit this sharing? |
| For our everyday business purposes —such as processing your transactions, maintaining your account(s), responding to court orders and legal investigations, or reporting to credit bureaus | YES | NO |
| For our marketing purposes- offer our products and services to you | YES | NO |
| For joint marketing with other financial companies | NO | WE DO NOT SHARE |
| For our affiliates’ everyday business purposes —information about your transactions and experiences | NO | NO AFFILIATES |
| For our affiliates’ everyday business purposes —information about your creditworthiness | NO | NO AFFILIATES |
| For nonaffiliates to market to you | NO | WE DO NOT SHARE |
| Who we are? | |
| Who is providing this notice? | PremierOne Credit Union |
| What we do? | |
| How does PremierOne Credit Union 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. We also use technological means (such as virus detection and firewalls) to protect against unauthorized access or alterations of member data. |
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How does PremierOne Credit Union collect my personal information? |
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus. |
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Why can’t I limit all sharing?
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Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. |
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What happens when I limit sharing for an account I hold jointly with someone else?
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Your choices will apply to everyone on your account—unless you tell us otherwise. |
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Definitions |
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Affiliates
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Companies related by common ownership or control. They can be financial and nonfinancial companies.
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Nonaffiliates
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Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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Joint marketing
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Other important information |
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Please note: We do not share your information when you are no longer a member. |
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California Law
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What is Personal Information?
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Personal Information. Under the California Consumer Privacy Act (CCPA), your “Personal Information” includes the following data that identifies, relates to, or may be associated with you:
Personal information also includes information that is identifiable to your household. |
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PremierOne Credit Union Collection of Member Personal Information |
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Categories of Member Personal Information We Have Collected Within the Last 12 Months
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Your personal information that we collect may include:
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Where We Collect Member Personal Information
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We collect the categories of personal information listed above directly from you when you: visit our website or submit an online application, conduct any branch, mail, or online transaction, use the Personal Finance Manager program, or send us an e-mail, or phone inquiry. |
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PremierOne Credit Union Use & Sharing of Member Personal Information |
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How We May Use Member Personal Information
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We may disclose your personal information with our third-party service providers and payment processors for the business purpose of facilitating your services or transactions. In the preceding 12 months, we have disclosed the following categories of personal information for a business purpose:
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Your Rights to Protect Your Personal Information
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Right to Request Access to Your Personal Information
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You have a right to access your personal information that we have collected. Upon your request by mail, email, or in-person to the Credit Union, we will disclose any of the following information requested:
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Right to Request Your Personal Information Be Deleted
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You have the right to request that we delete personal information about you that we have collected. Upon your verifiable request by mail, email or in-person to the Credit Union, we will delete the information and direct our service providers to delete the information from its records unless we or the service provider needs the personal information. The following are the exceptions where the Credit Union and our service providers need the personal information to maintain and service your account and cannot delete the information:
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Right to Opt-Out of the Sale of Your Personal Information
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The Credit Union does not sell any member's personal information to any third party.
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Right to Equal Services & |
You have the right to receive equal service and pricing from us even if you choose to exercise any of your privacy rights. We will not discriminate against you for exercising any of the consumer’s rights, including:
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How to Submit Requests to |
You may submit your requests to the Credit Union as follows:
For more information, you can also call us: Toll-free at (855) 500-7128 or (408) 524-4500. |
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Additional Online Privacy |
Use of Cookies PremierOne Credit Union uses cookies when you visit our website. These cookies are essential for enabling user movement around our website and providing access to features such as your member-only resources, online banking, and other secure areas of the website. These cookies do not gather information about you that could be used for marketing purposes and do not remember where you have been on the internet, and PremierOne Credit Union does not track or sell this data. This category of cookies cannot be disabled.
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Privacy Policy Effective 01/01/2020 Last Amended 02/21/2020 |
Our Privacy Policy is posted on our website www.premieronecu.org
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Card Control Privacy Policy
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1. Introduction. This Privacy Policy describes the types of "Personal Information" (information that is identifiable to a particular person) that is collected (directly or through service providers) in connection with the PremierOne Credit Union downloadable application ("App") and related services (collectively, the "Service") offered by your PremierOne Credit Union ("we" or "us"). This Privacy Policy is intended to supplement the disclosures in any Privacy Policy that you may have already been presented by us in connection with online banking or other services. |
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2. Eligibility. The Service is offered only to individual residents of the United States, excluding its territories, who can form legally binding contracts under applicable law. Without limiting the foregoing, the Service is not offered to minors. Other restrictions and eligibility requirements for the Service apply as described in the Card Controls Terms of Use. We do not knowingly collect any Personal Information from or about individuals under 18 years of age. Please do not submit such information to us, and as a parent or legal guardian, please do not allow your children to submit Personal Information without your permission. By using the App or the Service, you represent that you meet these requirements and that you agree to the terms of this Privacy Policy. |
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3. What Types of Personal Information We May Collect. We may collect Personal Information about you, which may include: name, postal address, zip code, e-mail address, telephone number, account numbers, payment card expiration date, payment card identification or verification numbers, social security number, mobile device location, and other information that we can use to contact you, verify your identity, provide the functionality available through use of the App and the Service, and manage risks, such as information maintained about you by identity verification services and consumer reporting agencies, including credit bureaus, and payment and other transaction information, and history for payments and other transactions in which you participate through the Service, and any Personal Information that you may enter into information blocks present in the App interface or made available through the Service. We may collect information regarding your mobile device, such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device’s geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in-store transactions). |
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4. How We May Collect Personal Information About You. We may collect Personal Information about you from the following sources:
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5. How We May Share Personal Information About You. We share Personal Information about you only as permitted by law. For Personal Information that is nonpublic and that we collect in connection with a financial service, U.S. federal law permits us to share such information only for the purposes shown in the following table:
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6. How We May Use Personal Information About You. We use Personal Information about you only as permitted by law, including but not limited to the following purposes: |
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7. Other Important Information. California: Under California law, we will not share information we collect about you with Nonaffiliates, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our Affiliates to the extent required by California law. |
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8. Definitions. a. "Affiliates" means companies related by common ownership or control. They can be financial or nonfinancial companies. |
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9. How We Protect Personal Information About You. To protect Personal Information about you from unauthorized access and use, we maintain physical, electronic, and procedural safeguards, including but not limited to security measures that comply with applicable federal and state laws. We also require our service providers and business partners to whom we disclose the information to do the same. When you enter sensitive information (such as a debit or credit card number) into the App, we encrypt the transmission of that information using secure socket layer technology (SSL). We may retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. |
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10. Data Retention. We will retain, protect, use, and share Personal Information about you as long as it is reasonably required for the purposes described in this Privacy Policy, and as required by law, including but not limited to risk management, regulatory compliance, and audit purposes. |
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11. Amendments. We may amend this policy anytime by posting a revised version in the App. The revised version will be effective immediately at the time it is posted unless a delayed effective date is expressly stated therein. You may (in our discretion) also be provided with an email notification of such amendments. If we make any change in how we use your Personal Information, we will notify you by email or by means of a notice in the App prior to the change becoming effective. You may (in our discretion) be required to affirmatively acknowledge or accept the revised Privacy Policy in order to continue using the App and the Service. Any use of the App or the Service after a notice of change will constitute your express agreement to such changes. |
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12. Contacting Us. If you have any questions about this Privacy Policy or wish to provide updates or corrections to information about you, you may contact us by calling us at the phone number or writing to us at the address, of our main offices. |
Website Policy
Information Collection and Use
PremierOne Credit Union is committed to protecting user privacy. To better protect your privacy, we are explaining our online information practices and the choices you can make about the way your information is collected and used. We may collect information at several points throughout or website, and other electronic communication methods. Our website offers opportunities for visitors to opt-in to receive email update, as well as to choose to utilize resources, participate in surveys, submit query forms, or partake in promotions. These methods may require users to provide contact or other information (such as name, email address, phone number, and preferences). We use this information to send members and potential members information about the Credit Union, including our products and services. PremierOne Credit Union will not request an account or personally sensitive information, such as Social Security numbers, through any general electronic method. We advise members to provide such information ONLY through secure communication, such as eBranch. In addition, PremierOne Credit Union may utilize third-party vendors to assist with electronic forms, host web pages, or provide electronic services. If we use a third-party vendor for any electronic purpose, we will perform due diligence regarding the privacy and reputation of the vendor. By participating in Web-related activity, and using our website functions, you release the Credit Union from any liability related to third-party vendor privacy and understand that privacy policies from third-party vendors may be different than PremierOne Credit Union.
Those who sign up to receive emails and for other participatory endeavors and subsequently wish to withdraw their participation may opt out at any time.
We also keep track of activity on our website via log files stored on web servers. We collect information such as IP address, browser type and version, and pages you view. We also may track how you got to our site and any links you click on to leave our site. We may use our logs of your website activity and other voluntary information collected throughout the website to offer you a personalized web experience, and technical support, diagnose problems with our server, administer our website, and tailor our product and service offerings to you. The Credit Union may sometimes utilize a third-party vendor to assist us with technical or performance aspects related to electronic communication. If we use a third-party vendor for any purpose related to electronic communication, we will perform due diligence regarding the privacy and reputation of the third-party vendor. By using our website, you release the Credit Union from any liability related to third-party vendor privacy and understand that privacy policies from third-party vendors may be different than PremierOne Credit Union.
Choice/Opt-out
As much as we are able, the Credit Union devises methods that enable users to choose to submit information. The PremierOne Credit Union electronic policy tolerates only permission-based marketing emails. Users always have the opportunity to opt-out of any marketing email by replying to any marketing email with "Unsubscribe" in the email or you can unsubscribe by clicking “Unsubscribe” in the last sentence of the email that reads- This is a promotional email from PremierOne Credit Union. Unsubscribe. If you believe that you have received an unsolicited marketing email from PremierOne Credit Union on behalf of any other party, you may report it to us by clicking here. Secure communication through eBranch, including account notification, and information is considered transactional and is not included in the marketing Opt-out portion of this policy.
Social Media Policy
The Credit Union has various Social Media outlets to interact with members, foster a sense of community, hold promotions and contests, and discuss topics related to Credit Union products and services. The Credit Union also follows our internal member security and information policies. We are committed to a transparent and honest social media flow, and will not create "fake" destinations and posts designed to mislead followers and control a conversation. Every website, "fan page," or other online destination that the Credit Union ultimately controls will make that fact known to users and must be authorized by the Credit Union.
Members should always be aware they are on a social networking site, and that it may have different privacy standards than the Credit Union. The Credit Union cannot be held responsible for social network aspects outside of its control. The Credit Union encourages all members to review each site's Social Networking Terms and Conditions and Privacy Policies and to learn other Social Networking tips (provided below). Member and non-member participation is welcomed to share experiences, suggest improvements, and contribute to conversations. To maintain the integrity of the Credit Union and protect our members' information, the following terms of use regarding our social media presence have been established:
- All comments will be reviewed, and posts that are derogatory, defamatory, obscene, hateful, ethnic, off-topic, spam, personal attacks, illegal, offensive, or those that are private or confidential, or any comment that is deemed to be inappropriate will be removed. The Credit Union maintains the sole responsibility of judgment for these items.
- Posts must be in text format from someone over the age of 13.
- Posts from members with photos will not be accepted unless specifically requested by an authorized representative for a contest or other business-related purpose. In these instances, pictures will be reviewed and removed if inappropriate.
- Posts or comments intending to sell a product or service not deriving from official Credit Union personnel or those intending to divert traffic to a particular website for personal or monetary gain will not be permitted; this includes Spam.
- All comments are monitored but not controlled or edited. At our sole discretion, the Credit Union reserves the right to remove a post we deem inappropriate. We do not endorse any comments by its employees unless they are authorized and designated representatives of the Credit Union.
- Financially sensitive information will never be requested through a social media page. Members should not disclose information, such as account usernames and numbers, passwords, pins, social security numbers, or account details through social media. Please inform us immediately at 408.524.4500 if you receive such a request through the Credit Union’s social media site.
- At times, and related to promotions, sweepstakes, or postings, the Credit Union might utilize a third-party company to develop a promotion or post information or an article through a Social Networking site. The same privacy policy may not bind third-party companies as the Credit Union. In these instances, the Credit Union will perform due diligence to ensure the reputation and operation of the third-party company or application. Members should be aware that Social Networking sites and third-party applications may review member profiles or other information outside of Credit Union control when the member has opted in or allowed them to do so. We will provide disclosure related to every promotion and include whether the Credit Union used a third-party application to develop the Social Networking promotion.
- Should a member want to participate in a promotion or sweepstakes with the Credit Union but not participate through the Social Networking site, they may send a 3x5 index card including their name, address, email address, telephone number, and birth date that identifies what promotion in which they wish to be included. During the promotion period, they should mail the card to Marketing, PremierOne Credit Union, 6640 Via Del Oro, San Jose, CA 95119. The Credit Union is not responsible for lost, stolen, or damaged entries. See the official rules of each promotion for more details.
- The Credit Union may require an email address, birth date, or other details to participate in any promotion or sweepstakes. An email address will be the method of contact for winners. All entrants will have the opportunity to opt-in to receive informative monthly emails from the Credit Union. The birth date is required to validate age restrictions based on Federal or State law surrounding sweepstakes. This information will not be made public through the Credit Union page or site and will remain proprietary information. Members should be aware that if this information is provided through a Social Networking site, the r data may be viewed by the Social Networking site or third-party company if the give permission or allow them to do so.
- Except for posting winner names as related to, or identified with, giveaways, contests, or other promotions, the Credit Union will not post identifiable member information on the page.
- The Credit Union does not validate assertions or statements in the comments. All opinions and viewpoints expressed are strictly those of the commenter alone. They do not constitute an official position of the Credit Union, unless posted by the authorized representative of the Credit Union.
- All rights reserved: The Credit Union reserves the right to edit, delete, move, or mark any comments as spam, and also has the right to block access to any one group from commenting or from the page.
- All comments on our Facebook or other social media pages are the responsibility of the commenter, not the Credit Union. By submitting a comment on such page, you agree that the comment content is your own and to hold this site and all subsidiaries and representatives harmless from any repercussions, damages, or liabilities.
- Commenters understand that comments, check-ins, or other interactions with social media platforms are considered public, and commenters should not have an expectation of compensation or further recognition should the Credit Union use the comment as posted on the Credit Union’s page.
- The Credit Union reserves the right to change guidelines at any time at its sole discretion and will keep current guidelines online.
Security Information and Updates
General Information
PremierOne Credit Union may set and access PremierOne cookies on your computer. We may also set and access device identifiers which could include IP address, user agent information (browser version, OS type and version), and device provided identifiers. Once you log into PremierOne Credit Union on your device, PremierOne may recognize your device to provide you with a personalized experience, independent of your device settings.
Security Information
Beware of Vishing, Smishing, and Phishing: The latest attempts to gain your information include mobile phone text messages where y you must call a phone number and provide confidential information.
Vishing
Voice phishing is the criminal practice of using social engineering over the telephone system to gain access to private personal and financial information from the public or the purpose of financial reward. Unless you contacted an institution directly, you do not know who is on the other end of the line. Never submit confidential information by phone or voicemail if you are not the one who initiated the call.
For example, if you receive a text that says, "Dear credit union bank customer, we regret that we have had to lock out access to your account. Please call 901.562.1204 to access your account." If you respond, an automated response may request your credit card number. This is referred to as “Vishing” because the fraudsters are Voice Phishing for your information. Whether by mobile phone or email, do not call and leave confidential information in a message or provide this information if you did not initiate the request.
Smishing
SMiShing is short for "SMS phishing." SMiShing is a security attack in which the user is tricked into downloading a Trojan horse, virus, or other malware onto his cellular phone or other mobile device. Once the software is installed, it can give criminals control of your device and access to your data.
For example, if you receive a mobile text that says, "Dear credit union/bank customer, we regret to inform you that you have been locked out of your account. Please click here to access your account." When you click the link, the software is installed on your device, and the device becomes compromised.
Phishing
Suspicious phone calls, emails, or mail that request a response or action to contact an institution or individual where you would provide the account number, personal information or a password.
Remember that legitimate institutions never contact you and ask for your account or confidential information. If you receive a response like this about your account at Premie One Credit Union, end the conversation and contact the credit union directly at 1(408)524-4500 or 1(855)500-7128. NEVER respond to any request like this unless you initiated the request yourself.
Tips
The federal government and technology industry have developed practical tips to help you guard against internet fraud, and computer security, and protect your personal information. You can browse the websites below to review ways to protect yourself from fraud and identity theft.
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