Effective July 1, 2023
a.Attributes of Cookies
WHAT DOES PREMIER AMERICA CREDIT UNION (dba PREMIER AMERICA WEALTH MANAGEMENT GROUP and TOP PREMIUM FINANCE) 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 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, account balances, assets and income, payment history, electronic bills, and billing, credit history and credit scores, credit card numbers and usage, checking account information, overdraft history, current and past employers and/or financial institutions, email address, consumer purchasing and census data, data transmitted through cell phones and other mobile devices and postal address. Sharing excludes text messaging originator opt-in data and consent; this information will not be shared with any third parties. When you are no longer a member, 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 Premier America Credit Union (dba Premier America Wealth Management Group and Top Premium Finance) chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
Why can't I limit all sharing?
State laws and individual companies may give you additional rights to limit sharing. California residents, see above for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else? - Your choices will apply to everyone on your account.
Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies. Premier America Credit Union does not have any affiliates.
Non-affiliates - Companies not related by common ownership or control. They can be financial and nonfinancial companies. Premier America Credit Union does not share with nonaffiliates so they can market to you.
Joint marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance companies, insurance brokers and agents, lenders and other financial institutions.
Other important information
For Nevada Residents: We are providing this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call List by calling [Insert DNT Number for CU]. For more information, contact us at this toll-free number. You may also contact the Nevada Attorney General’s office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: (702)-486-3132; email email@example.com.
You have the right to control whether we share some of your personal information. Please read the following carefully before you make your choice below.
You have the right to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending information about other products and services.
Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products and Services: Unless you say “No”, we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.
TIME SENSITIVE REPLY
You may make your privacy choice at any time. Your choice marked here will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with other companies with whom we contract to provide products and services.
Print Name ____________________________________
Member Number(s) ______________________________
To exercise your choice, please do one of the following:
IV. HOW WE SHARE AND DISCLOSE PERSONAL INFORMATION
V.YOUR RIGHTS AND CHOICES
Right to Know
Right to Delete
Right of Correction
You have the right to request correction of any personal information that we retain about you that is incorrect. We generally rely on you to update and correct your personal information.
e.Exercising Access, Data Portability, Deletion and Correction Rights
We will not require either of the above if the authorized agent provides a copy of a power of attorney pursuant to California Probate Code sections 4121 to 4130 and we are able to verify the authorized agent’s identity.
We will deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf and cannot verify their own identity to us.
We will endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response to the mailing address of record according to our files. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hinderance.
The response we provide will also explain the reasons we cannot comply with a request, if applicable. We do not charge a fee to process or respond to your verifiable consumer request.
f.Right of Non-Discrimination
We will not discriminate against you for exercising any of your rights in this Disclosure and under applicable laws. Unless permitted by law, we will not deny you goods or services; charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties; provide you a different level or quality of goods or services; or suggest that you may receive a different price for goods or services or a different level or quality of goods or services.
g.Opt-Out Rights Regarding Sale of Personal Information or Sharing Personal Information for Cross-Context Behavioral Advertising
VI.CHANGES TO THIS DISCLOSURE