Privacy

PRIVACY POLICY

Effective October 1, 2009

This policy applies to all persons and/or businesses who visit our websites or places of business as well as those who seek to obtain or do obtain a financial product or service from us. Premier America Credit Union and TOP Premium Finance are committed to protecting the privacy of our members, customers and website visitors. Our privacy policy is the same whether you are online or not. References to "we," "us" and "our" refer to Premier America Credit Union and TOP Premium Finance. References to "you," "your" and "yours" shall mean the members, customers and website visitors of Premier America Credit Union (Credit Union) and TOP Premium Finance.   

We have developed the following privacy policy to address our collection and disclosure of confidential information.   

Links to Other Non-Premier America Websites - Premier America Credit Union offers links on the website to other vendors and third parties. These links are provided for your convenience for you to take advantage of their products or services. Such sites are not within our control and may not follow the same privacy, security, or accessibility standards as ours. The Credit Union neither endorses nor guarantees offerings of the third party providers, nor is the Credit Union responsible for the security, content or availability of the third-party sites, their partners, or advertisers. You are encouraged to review the privacy policies of third parties before providing information on their sites.  

Information We Gather Online - You may visit the Credit Union's website to find out about  products and services and check rates, without giving us any information about you.   We are committed to continuous improvement of our websites. We may use software tools and/or "cookies" to gather information about site visitors' browsing activities in order to target areas for improvement. A "cookie" is information sent from a website to a visitor's computer while he or she is visiting the site. Information gathered may include date and time of visits, pages viewed, time spent at the site, browser types, Internet service provider, and the site visited just before and just after the site.   We may also track browsing activities of members who have accounts with the Credit Union and who use online Home Banking and Cash Management services. As part of our security procedures, we may use a cookie to authenticate a user's request.   

About Cookies - Cookies are small text files on your system, used to keep track of settings or data for a particular site. Web sites can use cookies to identify a returning user or to pass information between web pages in a single visit.   There are two types of cookies: temporary and permanent. Temporary cookies are used and tracked by the browser to pass information and are deleted once the browser is shut down. Permanent cookies are stored on your system and can be accessed again for multiple visits. Permanent cookies usually have an expiration date and will be automatically deleted from your system at that time. Our online Home Banking and Cash Management services use temporary cookies and may use permanent cookies, but never pass private information through cookies.   Online Home Banking and Cash Management services also use a different kind of temporary cookie known as a session cookie, a non-persistent cookie, or a pre-expired cookie. This cookie is used as part of stringent online security measures to make sure that each page in online Home Banking and Cash Management services is not cached or saved on your computer. This means that each page must be retrieved from the web server. This cookie is deleted when a user logs or times out of our online Home Banking and Cash Management services or if the browser window is closed and ensures that another user on the same computer cannot access the previous user's Internet Banking session or information.   If you use Enhanced Login Security, then online Home Banking and Cash Management services may place a secure permanent cookie on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to a computer, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used to validate your identity and does not contain any personal information. Wireless Home Banking and Bill Pay services may use permanent cookies to speedup identification of device type. This cookie does not contain any personal information.  

IP Addresses - If you log on to online Home Banking or Online Cash Management, you pass through a "firewall" used for security purposes. As you pass through it, your Internet Protocol (IP) address associated with the computer you are using may be identified. The IP address does not identify you personally, but it may identify the computer you're using. In certain instances, it may also obtain other information about your computer to allow better identification of you as an online Home Banking or Cash Management user. This information may be retained in case it is needed for reasons related to the protection of member information and/or security.   

How You Can Manage Your Information Online - If you are an online Home Banking or Cash Management user, you may access information and update some of your personal information quickly and easily online (e.g. change or reset your Personal Identification Number (PIN), password, phone number or postal address, including email addresses for alert services).   

Working with Other Companies - The Credit Union works with a number of other companies to ensure that we are providing the value and service you expect from a leader in financial and Internet services.   

Service Providers on the Internet - Occasionally you will notice on the Credit Union's website that services are "Powered by" or "Provided by" content providers or technology service partners. These vendors are contracted with to help The Credit Union serve you better. The Credit Union is highly selective in choosing these companies, and they are only allowed to use member information for the purpose of providing the services contracted with them to provide.   

Co-branded and Alliance Relationships - Premier America Credit Union has established relationships with other parties on the Internet to bring you the benefit of products and services we may not offer. These other companies are accessed either through the use of hyperlinks to their sites from the Credit Union's site, or by offering "co-branded" sites in which both Premier America Credit Union and the other company share the same URL, domain name or pages within a domain name on the Internet and the names or logos of both companies are displayed. Generally, the Credit Union does not own the co-branded sites and therefore does not control how those companies use any information supplied to them. It's important that you review their privacy policy to understand how they manage any information you supply them. However, if you are providing information to the Credit Union, we will always adhere to our Privacy Policy.   

Online Applications and Forms - To protect the information you provide us online, we use multiple levels of security. All information sent using an online application or form is encrypted using security certificates issued by VeriSign. You may communicate with the Credit Union using the secure email forms on the website or within Home Banking.   Email to Premier America Credit Union - If you send an email outside of the website or Home Banking, you should know that email is not necessarily secure against interception by unauthorized individuals. Therefore, we ask that you not send confidential account information such as Social Security or account numbers through regular email. Likewise, we will not transmit through regular email sensitive or personal information that can compromise or violate a user's privacy.   When you send an email, your email address will be used to reply, and for a limited time your email address, your message, and response for quality assurance purposes may be stored. This may also be done to meet legal and regulatory requirements. If your email address is collected in this manner, it will not be used it to notify you about Premier America Credit Union's products and services unless you have provided prior permission.   

Email From the Credit Union and Your Preferences - Your email is sometimes used to inform members about products, services or product enhancements that may be of interest after you have provided permission. When you provide your email address online, and it may be used for such purposes, you will have an opportunity to tell us if you do not wish to receive these messages. You will also have the opportunity to opt out of future messages with each marketing email you receive from the Credit Union.   

Email from Other Sources - We take your email marketing preference seriously and will not send marketing messages if you tell us you do not want to receive them. Additionally, we will send you email servicing messages only when necessary or at your initiation to quickly deliver important product enrollment, account or service information potentially requiring action on your part. Rest assured, when you receive such messages, they will be clearly marked as coming from Premier America Credit Union or and TOP Premium Finance and will not request confidential information such as account numbers, a social security number, permanent login name, and/or access code to be provided and sent back through unsecured email.   

Suspicious Email - Should you receive a suspicious email that appears to be from Premier America Credit Union or and TOP Premium Finance, please let us know by either calling (800) 772-4000 or (818) 772-4000, email us using our secure email form at www.premier.org or forward the email to HBSecurity@premier.org. You may also wish to contact your Internet Service Provider for support in blocking emails or subscribing to a spam filter they may offer.   

Account Aggregators - Many companies are offering account aggregation services that collect information from all of your accounts at financial institutions, brokerages, etc. and consolidate the information into one site for your convenience. In order for this to happen, you will have to provide a company with sensitive account information, personal identifiers and an access code, password or PIN. By giving up your password or PIN, you are authorizing that company to access your account. All transactions conducted by the account aggregator using an access code you provide to them are considered authorized by you.  Protecting Children's Privacy -The Credit Union respects the privacy of your children, and complies with the practices established under the Children's Online Privacy Protection Act. The Credit Union does not knowingly collect or retain personally identifiable information from consumers under the age of thirteen. For more information about the Children's Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website.   

Our Collection and Retention of Personal Information - We collect information about you in the course of providing services to you. Some of this information is non-public personal information. We do not sell your non-public personal information but we share some of the non-public personal information with our service providers and others in order to better serve you. We share non-public personal information only with contractual safeguards to protect the confidentiality of your information. 
 

Information We Collect - We collect information about you from the following sources:

• Information we receive on applications and other forms (for example, name, address, social security number, assets, and income); 
• Information transaction with us, our affiliate or others including those companies that work closely with us to provide diverse financial products and services (for example, account balance, payment history, parties to transactions and credit card usage);
• Information we receive from a credit reporting agency (for example, your credit worthiness and credit history);    
• Information obtained when verifying the information provided on an application or other forms (this may be obtained from current or past employers, or from other institutions where financial transactions are conducted); and
• Information we may obtain from consumer purchasing and census data providers to develop competitive marketing programs for our members.    
  

Information We Disclose - We may disclose all of the information we collect, as described above, as permitted by law and in accordance with this Privacy Policy. We may also make disclosures in connection with a subpoena or similar legal process, a fraud investigation, recording of deeds of trusts and mortgages in public records, an audit or examination, or the sale of your account to another financial institution. We do not disclose any non-public personal information about our members and former members or customers to anyone, except as permitted or required by law.   

Parties Who Receive Information - The Credit Union may disclose non-public personal information about you to the following types of third parties: financial service providers such as insurance companies, mortgage service companies and securities broker-dealers; non-financial companies, such as, consumer reporting agencies, travel agencies, automobile dealerships and retailers; and others, such as those that provide consumer discount programs or are non-profit associations.   

Disclosure Of Information To Parties That Provide Services - In order that the Credit Union may provide members competitive products and services, disclosure of information we collect, as described above, to companies that perform marketing or other services on our behalf and to other financial service providers with whom we have joint marketing agreements may occur. The Credit Union may also disclose non-public personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct operations, and follow your instructions as you authorize or protect the security of financial records.   

Disclosure of Information about Former Members - If you decide to terminate your relationship with us, we will not share information we have collected about you, except as may be permitted or required by law.   

Fair Credit Reporting Act Disclosures - The Credit Union is permitted by law to share any information about our transactions or experiences with members. Information taken from credit reports may also be exchanged but will not be shared if you elect to opt-out of this information exchange by following the opt-out procedure below.   

How We Protect Your Information - We only grant access to non-public personal information about you to employees and service providers so that they can provide or offer products or services to you, process and service your accounts and administer business. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information.   

What You Can Do to Help - We are committed to protecting the privacy of our members and customers. You can help by following these simple guidelines:    

• Protect you account numbers, card numbers, PINs and passwords. Never keep your PIN with your debit or credit card which can provide free 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, explains the call is on behalf of the credit union and asks 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 current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of any account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
• Do not hesitate to call us if you have questions. We are here to serve you.

How To Opt Out Or Stop Certain Disclosures About You - If you prefer that we do not disclose non-public personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you have a joint account (other than a loan) with someone else, either of you may opt out and it will be effective as to both.   

You may opt out of these disclosures at any time. This opt out, by law, will not apply to disclosures that are legally permitted or to disclosures we make to companies that perform services on our behalf or to other financial service providers. Once we receive your request, we have a reasonable amount of time to stop the disclosures.  

Your Right to Opt Out  
If you wish to exercise any of your opt-out rights as described above, you may opt-out in one of these ways. Your opt-out will remain effective until revoked in writing. You may always contact us for assistance if you wish to later revoke your opt out election. Mail correspondence to:    

Premier America Credit Union  
ATTN: Member Operations 
19867 Prairie Street  
Chatsworth, CA  91311  

or

TOP Premium Finance  
P.O. Box 2277  
Chatsworth, CA 91313  

You may also contact us at (800) 772-4000 or (818) 772-4000 for more information or to request a Privacy Opt-out Form.   

Privacy Policy Inquiries - Please contact us if you have any questions about our Privacy Policy or if we can help you in any way.