Privacy Notice


Facts What does Provident Credit Union do with your 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 services you have with us. This information can include:
  • Social security number
  • Income
  • Account balances
  • Payment
  • Credit history
  • Credit scores
When you are no longer our 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 customers' personal information; the reasons Provident Credit Union chooses to share, and whether you can limit the sharing.
 
Reasons we can share your personal information Does Provident 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 Yes*
For joint marketing with other financial companies Yes Yes*
For our affiliates' everyday business purposes — information about your transactions and experiences No We don't Share
For our affiliates' everyday business purposes — information about your creditworthiness No We don't Share
For our affiliates to market to you Yes Yes*
For non-affiliates to market to you Yes Yes*
 
To limit our sharing
  • Please complete the online form to the right
  • Download the .pdf Privacy Form that can be filled out, printed, and mailed.
  • Call (800) 632-4600 and select "0" to speak with a representative.

PLEASE NOTE:
If you are a new member, we can begin sharing your information (30) days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.

* You can contact us at any time to limit our sharing of printed and electronic marketing materials tailored especially for you.
Questions? Call (800) 632-4600
 
Who we are
Who is providing this notice? Provident Credit Union
 
What we do
How does Provident Credit Union protect my personal information? To protect your 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 Provident 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
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies
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 non-affiliates to market to you
State law 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 non-financial companies.
  • Our affiliates include companies like Provident Plus; financial companies such as Affinion Benefits Group; non-financial companies and others such as Autoland.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Non-affiliates we share with can include companies that perform support services for us such as data processors, technical systems consultants and programmers, check printers or companies that help us market Provident's products and services.
Joint marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include insurance companies
 
Other Important Information
California Residents In accordance with California State law, we will not share information that we collect about California State residents with non-affiliates except as permitted by law, such as with the consent of the customer, to service the customer's account(s) or to fulfill rewards or other benefits. We will also limit the sharing of information about California State resident customers with our affiliates to the extent required by applicable California State law.
Nevada Residents We are providing you with this notice pursuant to Nevada State law. If you prefer not to receive telemarketing calls or text messages from us, you may be placed on our internal Do Not Call List by calling us at: (800) 632-4600, or by writing us to: Provident Credit Union, 303 Twin Dolphin Drive, Redwood City, CA 94065. Nevada State law also requires that we provide you with the following contact information: 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; E-mail: BCPINFO@ag.state.nv.us.
Vermont Residents In accordance with Vermont State law, we will not share information that we collect about Vermont State residents with non-affiliates except as permitted by law, such as with the consent of the customer, to service the customer's account(s) or with other financial institutions with which we have joint marketing agreements. We will not share creditworthiness information about Vermont State residents with our affiliates except with the authorization or consent of the applicable Vermont State residents.



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