Disclosures
PriorityONE CU of Florida is a state chartered credit union, federally insured by a U.S. Government agency, the National Credit Union Administration (NCUA). Coverage assures that your savings will be paid to you in full, up to at least $250,000.
The NCUSIF provides all members of federally insured credit unions with $250,000 in coverage for their individual accounts. These accounts include regular shares, share drafts (similar to checking), money market accounts, and share certificates. Individuals with account balances totaling $250,000 or less at the same insured credit union have full NCUSIF coverage. If a person has more than $250,000 at any single credit union, several options are available for additional coverage as the NCUSIF provides separate insurance for other types of accounts. This NCUA document explains the insurance coverage of your funds in detail.
NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS
By operation of Federal law, effective January 1, 2013, all funds in a “noninterest-bearing transaction account” will no longer receive unlimited share insurance coverage by the National Credit Union Administration (NCUA). This temporary unlimited coverage was in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA general share insurance rules.
Beginning January 1, 2013, all of a member’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the NCUA share insurance fund up to the standard maximum of $250,000 for each type of account ownership category. The term “noninterest bearing transaction account” includes a checking account on which the Credit Union pays no interest or dividend (including interest on Lawyers Trust Account).
04/21
FACTS
WHAT DOES PRIORITYONE CREDIT UNION OF FLORIDA (PRIORITY ONE 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 of the 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 and income
- account balances and payment history
- credit history and credit scores
When you are no longer our customer, 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 PriorityONE Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does PriorityONE Credit Union share? | Can you 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 |
Yes | No |
|
For our marketing purposes – to offer our products and services to you |
Yes | No |
|
For joint marketing with other financial companies – No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. |
Yes | No |
|
For our affiliates’ everyday business purposes – information about your transactions and experiences. |
N/A | N/A |
|
For our affiliates’ everyday business purposes – information about your creditworthiness |
N/A | N/A |
|
For non-affiliates to market to you |
N/A | N/A |
Questions?
Call 954-335-5100 or go to www.priorityonefl.org or email us at [email protected]
Who We Are
Who is providing this notice?
PriorityONE Credit Union of Florida (PriorityONE Credit Union)
What We Do
How does PriorityONE 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.
How does PriorityONE Credit Union collect my personal information?
We collect your personal information, for example, when you
- open an account or deposit money
- pay your bills or apply for a loan
- use your credit or debit card
PriorityONE CC periodically collects, transmits, and uses geolocation information for enabling features that prevent fraudulent card use and alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End User’s selection. The End User can change his/her/their location permissions at any time in their device settings.
We also collect your personal information from other companies such as credit bureaus.
Why can’t I limit all sharing?
Federal law only 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 non-affiliates to market to 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 and nonfinancial companies.
- PriorityONE Credit Union has no affiliates.
Non-affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- PriorityONE Credit Union does not share with non-affiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Insurance companies and credit card companies.
OUR ONLINE PRIVACY PRACTICES
Keeping financial and personal information secure is one of our most important responsibilities PriorityONE Credit Union of Florida is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.
SECURE TRANSMISSIONS
To ensure information remains confidential, PriorityONE Credit Union of Florida uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.
EMAIL SECURITY
Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number or PIN numbers. We also ask that you do not send personal or account Information through regular email.
COOKIES
Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the site and to assist us with resolving questions regarding the site. We also utilize cookies for advertising purposes. Tracking technologies also used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.
LINKING TO OTHER SITES
To provide you with easy access to information, PriorityONE Credit Union of Florida may provide links to other websites such as mortgage companies, insurance companies, government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and PriorityONE Credit Union of Florida does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by PriorityONE Credit Union of Florida. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.
GOOGLE ANALYTICS
Many websites and apps use Google services to improve their content. When they integrate Google services, these sites and apps share information with Google. We use Google Analytics to better understand how users are visiting and using our sites. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at google.com/policies/privacy/partners/.
PRIORITYONE CC MOBILE APP
PriorityONE CC Mobile App periodically collects, transmits, and uses geolocation information for enabling features such as, but not limited to, card use and alerts to prevent fraudulent activates, but only if the end user expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the feature(s) are being used or not at all, depending on the end user’s selection. The end user can change his/her/their location permissions at any time in their device settings.
PRIVACY POLICY
To learn what PriorityONE Credit Union of Florida does with your personal information please view our Privacy Notice or contact us by mail, phone, or email.
