Pinnacle Credit Union Privacy Notice

Pinnacle Credit Union is committed to provide you with financial products and services to meet your financial goals. We are required by federal law to give you this privacy notice. It describes our policies and practices that protect your privacy and enable us to share information to make available competitive financial products and services. If you have any questions after reading it, please contact us at 404-888-1648.

Information We Collect and Disclose About You

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on membership and loan applications and other forms;
• Information about your transactions with us, our affiliates, or others;
• Information we receive from a consumer reporting agency;
• Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.

We may disclose all the information we collect as described previously and as permitted by law.

Our commitment to provide you with competitive products and services may require that we share information about you with our affiliated third party, Credit Union Financial Services (CUFS), which provides mortgage loan services.

We may also disclose information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of the credit union, follow your instructions as you authorize or protect the security of our financial records.

Disclosure of Information About Former Members

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

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

What You Can Do to Help Protect Your Privacy

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

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit 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, explains 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. 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. If your address or phone number changes, please let us know.

Access to Third Party Sites / E-mail:

Links to other Web Sites and/or e-mail addresses are provided solely as a convenience to our members and other customers. Pinnacle Credit Union has no control over these sites/addresses; and the Credit Union shall have no responsibility or liability relating to any access to such sites or communications between you and such Third Parties. In addition, Third Parties are not covered by Pinnacle Credit Union's privacy or other policies; and the Credit Union is not responsible for the privacy practices or the content of Third Party Sites. Pinnacle CU Web Site may also contain links to other web sites owned, operated by, or affiliated with the Credit Union ("Affiliated Sites"). Affiliated Sites are also not governed by Pinnacle CU’s privacy or other policies; and you are advised to review the privacy statement applicable to each Affiliated Site you visit.

Products / Services Offered By Third Parties / Affiliates:

Any financial, investment, warranty, credit insurance or other products or services (“products”) which are provided by third parties or any affiliates are not products of Pinnacle Credit Union. If the purchase of same is facilitated by or through Credit Union financing such is merely a convenience to the borrower(s) and is in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and Pinnacle Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.

If you have questions concerning this notice, please do not hesitate to call us-we are here to serve you.