Our Privacy Pledge
We, at POPA Federal Credit Union respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by POPA Federal Credit Union. This notice explains what types of member information we collect and under what circumstances we may share it.
Member Information We Collect
The Credit Union collects only relevant information about members that is needed to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal and financial information about you (member information) which is “nonpublic”. The member information we collect varies depending on the accounts and services you request and use. We collect information about you from the following sources:
- Application Information
We retain personal information we receive from you on any application you provide for membership, deposit account(s), EFT services, loans, or other Credit Union services. This information includes name, address, social security number, birth date, phone number, beneficiaries, employment, financial status, and credit history.
- Your Transactions
Any time you make a transaction on one of your accounts, including ATM or other card transactions, loan advances, transactions through POPA MoneyLink, over the phone, or at a branch – we retain the transaction information including: your account number, the date, amount, location of the transaction, and other pertinent information.
- Credit Reports
When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. We retain the personal and credit history information about you and we may use it to evaluate future account service requests.
- Online
We obtain information online when you visit our website, www.popafcu.org. This includes retaining information you provide to us on any online applications, POPA MoneyLink transactions, or information you send to us by mail.
Member Information We Share
In order to provide financial services to you, we share certain information about you with our third party service providers. However, we only share information to the extent necessary to service your account. Information we may have about former members is generally only shared or disclosed if necessary to enforce or administer an account or as required by law.
Sharing Information with Third-Party Service Provider
- Personal Information (name, address, and account number)
- Account Information (type of accounts, account balances, and transaction history)
- Transaction Information (dates, amounts, locations, and type of transaction)
Sharing Information as Legally Required or Permitted
We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.
Our Confidentiality and Security Safeguards
We maintain strict policies and security controls to ensure that member information in our computer systems and files is protected. Our employees are permitted access to member information that they may need to perform their jobs and to provide service to you. Our employees have access to such member information as necessary to conduct a transaction or respond to your inquiries. All employees are trained to respect member privacy. No one except our employees has regular access to the Credit Union computer system and records storage. The Credit Union has established internal security controls including physical, electronic, and procedural safeguards to protect the information you provide us and the information we collect about you. We will continue to review our internal security control to safeguard our member information as we employ new technology in the future.
Online Privacy Protection
On our website, www.popafcu.org, you may apply for accounts and services and you may communicate with us via email. We use multiple levels of security to protect the information you provide to us online. The application information we accept online and our POPA MoneyLink service relies on industry standard “Secure Sockets Layer” (SSL) encryption to secure your transaction information other than your name, address, email address and phone number – it will be obtained using a secure SSL encryption email form. When you visit our website, you can access site information, without revealing your personal identity. However, in order to help us identify you for future site visits, we use “cookies” to track your visit. A “cookie” is a piece of information that our web server stores on your computer hard drive and retrieves later. The cookie will not request, require or collect personal identity information about you. Your member information is not accessed by or stored within a cookie in any way.
Protecting Children’s Information
Our online financial services are not designed for or directed towards children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with both the parents and POPA Federal Credit Union.
*We do not sell our members’ information or share your account numbers with independent third-party marketers or other financial institutions, nor do we share any of your information with affiliates. Your personal information is never shared for marketing purposes with any other organization.
If you have any questions regarding our privacy practices or policy, call us at 800.369.7672 or email us at info@popafcu.org. You can also write to us at:
POPA Federal Credit Union
13304 Alondra Blvd.
Cerritos, CA 90703
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