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PARDA Privacy Policy

facts what does parda federal 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 requires us to tell you how we collect, share, and protect personal information. Please read this notice carefully to understand PARDA Federal Credit Union's Policy.

PARDA Federal Credit Union is committed to protecting nonpublic
personal information and using it in a manner consistent with our
business is a high priority.
what? The type of personal information we collect and share depend on the accounts or services you have with us. The information can include:

Name, address, social security number, and income.
Account balances and transaction history
Credit history and credit score

When you are no longer a member, we will not share your information
except as permitted or required by law as described in this notice.
how? All financial companies need to share member personal information
to run everyday business. In the section below, we list the reasons
financial companies can share their member's personal information;
the reasons that PARDA Federal Credit Union chooses to share; and
whether or not you can limit this sharing.
reasons we can share your personal
information
Does parda
federal
credit
union share?
can you
limit this
sharing?
For our everyday business purposes - such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, or report to credit bureaus. YES NO
For our marketing purposes- to offer our products and services to you. YES NO
For joint marketing with other financial companies. YES NO
For our affiliates' everyday business purposes- information about your transactions and experiences. YES NO
For our affiliates' everyday business purposes- information about your creditworthiness. YES YES
For our affiliates to market you. YES YES
For our non-affiliates to market you. NO N/A
questions? Call 1-800-860-5640 Option 1 or visit www.parda.com
who we are
Who is providing this notice? PARDA Federal Credit Union
what we do
How does PARDA Federal 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 physical safeguards such as secured files and buildings and computer safeguards. We also restrict access to personal information to those colleagues who need to know in order to provide services to our members.
How does PARDA Federal Credit Union collect my personal information? We collect your personal information, for example when you:

Open and account or apply for a loan
Apply for any credit union product or service
Visit our website, provide us with information on any online application or transaction, or information you send us via email.
Use your debit or ATM card to pay your bills or make purchases
Make deposits or withdrawals from your account

We also collect your personal information from others, including credit bureaus, affiliates or other companies
Why can't I limit 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 you
Sharing for nonaffiliates to market you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial or nonfinancial companies
Nonaffiliates Companies not related by common ownership or control. They can be financial or nonfinancial companies.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products and services to you.


Other Important Information
For more information on our Privacy Policy, or to receive a paper copy you may write us at 2601 Cambridge Court, Suite 210 Auburn Hills, MI 48326. Or call us at 1.800.860.5640.

If you would like a paper copy of our privacy policy you can also print the document here.

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*APR – Annual Percentage Rate, subject to change. Subject to credit approval. The APR disclosed above is the lowest rate available for members with an excellent credit history and includes the rate reduction and the .25% direct deposit rate reduction. Your rate will reflect your individual credit history and may be higher than the rate quoted here. Not a promise to lend; standard credit qualifications and some restrictions apply. This promotion does not apply to existing PARDA FCU loans.

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