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.

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:

Social Security number and income
Account balances and payment history
Credit history and credit score

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 customers' 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 to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

For our marketing purposes - to offer our products and services to you

Yes

For joint marketing with other financial companies

We don't share

For our affiliates' everyday business purposes - information about your transactions and experiences

No Affiliates

For our affiliates' everyday business purposes - information about your creditworthiness

No Affiliates

For nonaffiliates to market to you

We don't 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.

How does PremierOne Credit Union collect my personal information?

We collect your personal information, for example, when you:

Open an account or deposit money
Pay your bills or apply for a loan
Use your credit or debit card

We also collect your personal 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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account—unless you tell us otherwise.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

PremierOne Credit Union does not share with our affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

PremierOne Credit Union does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

PremierOne Credit Union doesn't jointly market.

Other Important Information

Please note: We do not share your information when you are no longer a member.

California Law

The California Consumer Privacy Act (CCPA) provides California residents with rights regarding their personal information.

What is Personal Information?

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:

Demographic information (i.e., name, address, email),
A unique identifier, such as an IP address,
Account or Social Security Number,
Driver’s license or passport,
Personal property records,
Card numbers,
Access codes (PINs & passwords)
Online activity,
Biometric, geolocation, employment, and education data,
Browsing and search history, and
Information concerning a consumer’s interaction with a website.

Personal information also includes information that is identifiable to your household.

PremierOne Credit Union Collection of Member Personal Information

Categories of Member Personal Information We Have Collected Within the Last 12 Months

Your personal information that we collect may include:

Personal identifier information: name, email address, social security number, driver’s license number, and access codes.
Account & transaction information: account number, card number, account information, transaction information, and credit information and required consents, opt-in & opt-out requests.

[Category A: Identifiers.]
[Category B: California Customer Records personal
information categories.]
[Category C: Protected classification characteristics under
California or federal law.]
[Category D: Commercial information.]
[Category E: Biometric information.]
[Category F: Internet or other similar network activity.]
[Category G: Geolocation data.]
[Category H: Sensory data.]
[Category I: Professional or employment-related
information.]
[Category J: Non-public education information.

Where We Collect Member Personal Information

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.

PremierOne Credit Union Use & Sharing of Member Personal Information

How We May Use Member Personal Information

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:

Your Rights to Protect Your Personal Information

Right to Request Access to Your Personal Information

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:

The categories of personal information collected;
The sources from which personal information was collected;
Our purpose for collecting the information;
The categories of third parties with whom we share personal information; and
The specific pieces of your personal information we have collected.
If we disclosed your personal information for a business purpose or sold it, two separate lists disclosing:
- disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained; and/or
- sales, identifying the personal information categories that each category of recipient purchased.

Right to Request Your Personal Information Be Deleted

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:

To process your transactions for which the personal information was collected;
To provide the account or service requested;
To detect security incidents, protect against fraudulent, or illegal activity;
To identify and correct any Credit Union systems errors;
Exercise free speech, ensure the rights of another consumer to exercise their free speech rights, or exercise another right provided for by law;
To comply with the California Electronic Communications Privacy Act;
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render it impossible or seriously impair the research’s achievement if you previously provided informed consent;
To operate the systems and applications to maintain your accounts and services;
To comply with a legal obligation or in a lawful manner compatible with the context in which you provided the information.

Right to Opt-Out of the Sale of Your Personal Information

The Credit Union does not sell any member's personal information to any third party.

Right to Equal Services &
Pricing

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:

denying accounts or services to you;
charging different prices or rates for accounts or services or imposing penalties;
providing a different level or quality of accounts or services to you or suggesting that you will receive a different price or rate for accounts or services or a different level or quality of accounts or services.

How to Submit Requests to
Access or Delete your
information or Contact Us for
More Information.

You may submit your requests to the Credit Union as follows:

In person – at any PremierOne Credit Union branch
Mail: PremierOne Credit Union, Attn: [Privacy Department] 6640 Via Del Oro San Jose, CA 95119
Website: www.premieronecu.org Go to Contact Us/Secure Email
You may designate an authorized agent to submit requests on your behalf by providing us with your written authorization of the agent and the nature of your request.
We will verify your request using our current authentication practices, including matching the identity information you provide with your request with the personal information we maintain on file.
We endeavor to respond to a verifiable consumer request within forty-five (45) days of receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.

For more information, you can also call us: Toll-free at (855) 500-7128 or (408) 524-4500.

Additional Online Privacy
Protections

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.

California Do Not Track Disclosures. Certain web browsers offer a “Do Not Track” (DNT) option that permits users to select a preference not to have information about web browsing activities monitored and collected. Our website will not honor DNT signals from you and we will not monitor or collect information on your browsing activity.

Effective 01/01/2020

Last Amended 02/21/2020

Our Privacy Policy is posted on our website www.premieronecu.org

Privacy Policy Changes. We reserve the right to amend our Privacy Policy at our discretion and at any time. We will post our amended Privacy Policy on our website or otherwise notify you as required by law.

Card Control Privacy Policy

This Privacy Policy describes the types of Personal Information that is collected in connection with the PremierOne Credit Union downloadable application and related services offered by PremierOne Credit Union.

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.

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.

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).

4. How We May Collect Personal Information About You. We may collect Personal Information about you from the following sources:

Information that you input to the App or that the App collects automatically;
Your use of the App and the Service, and your interactions with customer care, including information you enter or speak, and information transmitted by your computer or mobile device or other devices you use as part of your receipt of the Service; and
We may also collect Personal Information about you from others, such as Affiliates, or other companies (such as for fraud detection).

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:

Reasons we can share Personal Information about you

Do we share?

Can you limit this sharing?

For our everyday business purposes - such as processing your transactions, responding to court orders and legal investigations, and reporting to credit bureaus;

Yes

For our marketing purposes - to offer our products and services to you;

Yes

For Joint Marketing with other financial companies;

We do not share

For our Affiliates' everyday business purposes (information about your transactions and experiences);

Yes

For our Affiliates' everyday business purposes (information about your creditworthiness);

We do not share

For our Affiliates to market to you;

We do not share

For Nonaffiliates to market to you

We do not share

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:
a. To complete transactions and render services authorized by you;
b. Other everyday business purposes, such as to maintain your ability to access the Service, to send you information about the Service, to effect, administer and enforce transactions, to perform fraud screening, to prevent actual or potential fraud and unauthorized transactions, to verify your identity, to determine your credit history, to verify the information you provide to the Service, to perform collections, to report to credit bureaus (including furnishing delinquent account information), to comply with laws, regulations, court orders and lawful instructions from government agencies, to protect the personal safety of users of the Service or the public, to prevent and defend claims, to resolve disputes, to troubleshoot problems, to enforce our Terms of Use, to protect our rights and property, and to customize, measure, and improve the Service and the App, including pattern recognition, modeling, enhancement and improvement, system analysis, and Service performance analysis;
c. For marketing purposes - to offer products and services to you, although you may opt-out of receiving commercial email marketing messages from us by following the opt-out processes described in those messages; and
d. If we are involved in a merger, acquisition, or sale of all or a portion of our assets that results in a change of the majority ownership of the App or the Service or the entity that owns them, you will be notified of this via email and/or a prominent notice on the App, as well as any material change in uses of your Personal Information, as well as any choices you may have regarding Personal Information about you.

7. Other Important Information.
Vermont: Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our Affiliates, unless the law allows. We will not share information about your creditworthiness with our Affiliates except with your consent, but we may share information about our transactions or experiences with you with our Affiliates without your consent.

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.

8. Definitions.

a. "Affiliates" means companies related by common ownership or control. They can be financial or nonfinancial companies.
b. "Nonaffiliates" means companies not related by common ownership or control. They can be financial or nonfinancial companies.
c. "Joint Marketing" means a formal agreement between nonaffiliated financial companies that together market financial products or services to you.

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.

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.

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.

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 they 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 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

The California Consumer Privacy Act (CCPA) provides California residents with rights regarding their personal information.

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.