Privacy Policies

Prevail Credit Union Privacy Policy

The protection of our members' privacy and the safekeeping of confidential information is of the utmost concern to the Credit Union. It is the Credit Union's intent to comply with all applicable laws and regulations concerning the treatment of both member and non -member information, and educate our members as to their privacy rights under law. This policy outlines the purposes for which member information will be collected and released outside of the Credit Union.

Information Collected

The Credit Union will only collect that information necessary to establish an on-going relationship with members and joint account holders. Information on an individual member may be collected from a variety of sources, including the member's signature card, loan application, and credit bureaus. Furthermore, the Credit Union will take reasonable precautions to protect the accuracy and reliability of member information.

Information Shared with Affiliates & Third Parties

The Credit Union will not sell nonpublic personal information on its members to any third party. The Credit Union may disclose nonpublic personal information about an individual member with member consent, in order to effect a transaction, to protect the Credit Union's interests, or for other purposes permitted by law and regulation.

Third Party Privacy Standards

The Credit Union will only disclose nonpublic personal information about its members to affiliates and third parties who demonstrate a consistent commitment to the protection of the confidentiality of member information, and who have adopted privacy policies comparable to those adopted by the Credit Union.

Security & Confidentiality

As part of the Credit Union's commitment to protect the confidentiality of member account information, the Credit Union will establish procedures for periodically training staff on the importance of member privacy and the Credit Union's privacy policy. Staff will only be permitted to access member account information when necessary for business reasons. Finally, the Credit Union will establish appropriate security standards to protect against unauthorized access to member information.

Availability of Policy

The Credit union is proud of its commitment to member confidentiality, and will make this policy available to any consumer requesting it. The Credit Union will also make the policy available from its website home page.

Prevail Credit Union Privacy Notice & Disclosure

Prevail Credit Union, your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our Credit Union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes non-public information from us as we conduct the business of the Credit Union.

If after reading this notice you have questions, please contact us at (206) 382-1888 or toll-free 1 (800) 248-6928. Or, write to us at Prevail Credit Union, 801 2nd Avenue, Suite 100, Seattle WA 98104-1510.

Information We Collect About You

We collect non-public personal information about you from the following sources:

• Information we receive from you on applications and other forms
• Information we receive from a consumer reporting agency
• Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us

We 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, data processors, check/share draft printers, plastic card processors, and government agencies

Disclosure of Information to Parties that Provide Services to Us

In order for us to conduct the business of the Credit Union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf of to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services. We 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 the operations of our Credit Union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members

If you terminate your membership with Prevail Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your non-public personal information.

What members Can Do To Help

Prevail Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, plastic card numbers, PINs (Personal Identification Numbers) or passwords. Never keep your PIN with your 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 explaining 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 with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
• Let us know if you have questions. Please do not hesitate to call us—we are here to serve you!