Privacy Policy

WHAT DOES PINPOINT 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 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 credit or other debt
  • Account balances and payment history
  • Transaction history and overdraft history

    • 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 Pinpoint Federal Credit Union chooses to share; and whether you can limit this sharing.

    Reasons we can share your personal information: Does Pinpoint 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 Yes Yes
    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 our affiliates to market to you N/A N/A
    For nonaffiliates to market to you No We don’t share

    To limit our sharing

  • Call 570.742.3903 – our menu will prompt you through your choice(s) or
  • Visit us online: https://pinpointfcu.org/
    Please note:

    If you are a new customer/member, we can begin sharing your information from the date we sent this notice. When you are no longer our customer/member, we continue to share your information as described in this notice.

    However, you can contact us at any time to limit our sharing.

    • Questions?

    Call 570.742.3903 or go to https://pinpointfcu.org/

    Who we are
    Who is providing this notice? Pinpoint Federal Credit Union

    What we do
    How does Pinpoint 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 Pinpoint collect my personal information? We collect your personal information, for example, when you

  • Open an account or make a wire transfer
  • Apply for a loan or use your credit or debit card
  • Make deposits or withdrawals from your account.
    		•
    Why can’t I limit all 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 to you
  • Sharing for nonaffiliates to market to you
  • State laws and individual companies may give you additional rights to limit sharing.
    		•
    What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.

    Definitions
    Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Pinpoint Federal Credit Union has no affiliates.
    • Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include: mortgage companies, appraisers, insurance companies, credit reporting agencies, property and flood search companies, and collection agencies.
    		•
    Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include: Trustage and its affiliates.
    		•

    Other important information

    Pinpoint Federal Credit Union makes disclosures to other nonaffiliated companies for everyday business purposes, such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus.

    The Pinpoint mobile app 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.