Privacy Policy

1. Information We Collect

We may collect personal identification information and non-personal information about you from various sources:

• Personal Identification Information (PII): This includes information you voluntarily provide to us when you apply for an account, loan, or service, register for online banking, or contact us. This may include your name, address, Social Security Number, date of birth, phone number, email address, and employment information.
• Financial Information: Details related to your accounts, transaction history, loan applications, and investment activities with Piedmont Community Credit Union.
• Usage Data & Cookies: Information automatically collected when you access our website or online services. This may include your IP address, browser type, operating system, referring URLs, pages viewed, time spent on pages, and dates/times of access. We use cookies and similar tracking technologies to track activity on our service and hold certain information.

2. How We Use Your Information

The information we collect is used in various ways to provide and improve our services, and to ensure your financial security:

• To provide, operate, and maintain our services, including processing transactions and managing accounts.
• To improve, personalize, and expand our services, and to understand how you use our services.
• To develop new products, services, features, and functionality.
• To communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the service, and for marketing and promotional purposes (with your consent where required).
• To process your applications for financial products and services.
• For fraud prevention and security purposes, including detecting, preventing, and addressing technical issues.
• To comply with legal obligations, applicable laws, and government requests.

3. How We Share Your Information

We may share your information in the following situations, always with your privacy in mind:

• Service Providers: With third-party vendors, consultants, and other service providers who perform services for us or on our behalf (e.g., payment processing, data analysis, email delivery, hosting services, customer service).
• Affiliates: With our affiliates, in which case we will require those affiliates to honor this Privacy Policy.
• Legal Obligations: When legally required to do so, such as in response to a court order or subpoena, or to comply with applicable laws, regulations, or governmental requests.
• Business Transfers: In connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
• With Your Consent: We may disclose your personal information for any other purpose with your explicit consent.

4. Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

We employ technologies such as encryption for online transactions and secure access controls for our systems to safeguard your data. Our employees are regularly trained on the importance of data privacy and security.

5. Cookies and Other Tracking Technologies

We use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. A cookie is a small text file that is stored on your computer or mobile device when you visit a website. Cookies are used to make websites work more efficiently and to provide reporting information.

You have the option to accept or refuse these cookies and know when a cookie is being sent to your computer. If you choose to refuse our cookies, you may not be able to use some portions of our service. Most web browsers are set to accept cookies by default. You can usually modify your browser setting to decline cookies if you prefer.

6. Your Data Protection Rights

Depending on your location and applicable law, you may have the following data protection rights:

• The right to access – You have the right to request copies of your personal data.
• The right to rectification – You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
• The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
• The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
• The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.
• The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below. We will respond to your request within a reasonable timeframe and in accordance with applicable data protection laws.

7. Children's Privacy

Our services are not intended for individuals under the age of 13. We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us immediately. If we become aware that we have collected personal data from children without verification of parental consent, we take steps to remove that information from our servers.

8. Links to Other Websites

Our service may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.