Privacy Notice

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, account balances, payment history, transaction history, and credit card or other debt checking account information. When you are no longer a member, we continue to share your information as described in this notice.

How?

All financial companies need to 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 Point Breeze Credit Union chooses to share; and whether you can 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.

• Does Point Breeze Credit Union Share? Yes
• Can you limit this sharing? No

For our marketing purposes

To offer our products and services to you.

• Does Point Breeze Credit Union Share? Yes
• Can you limit this sharing? No

For joint marketing with other financial companies

• Does Point Breeze Credit Union Share? Yes
• Can you limit this sharing? No

For our affiliates' everyday business purposes

Information about your transactions and experiences.

• Does Point Breeze Credit Union Share? No
• Can you limit this sharing? We don't Share

For our affiliates' everyday business purposes

Information about your creditworthiness.

• Does Point Breeze Credit Union Share? No
• Can you limit this sharing? We don't Share

For nonaffiliates to market to you

• Does Point Breeze Credit Union Share? No
• Can you limit this sharing? We don't Share

Call 410.584.7228 or go to www.pbcu.com.

How does Point Breeze 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 maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Point Breeze Credit Union collect my personal information?

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

• Open an account
• Deposit money
• Provide your mortgage information
• Show your government-issued ID
• Show your driver's license

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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. See below for more on your rights under state law.

Affiliates

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

• Point Breeze Credit Union has no affiliates.

Nonaffiliates

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

• Point Breeze 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.

• Our joint marketing partners include Insurance Companies

For Maryland Members. We will not share personal information with nonaffiliates, either for them to market to you or for joint marketing, without your authorization.