FACTS

WHAT DOES FIRST CAROLINA PEOPLE'S
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 of the 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 income
• Account Balances and Payment history
• Credit history and 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 reasons financial companies can share their members' personal information; the reasons First Carolina People's Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your information

Does the 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 product and services to you

YES 

NO

For joint marketing with other financial companies

YES

 NO

For our affiliates’ everyday business purposes - information about your transactions and experiences

NO

NO

For our affiliates’ everyday business purposes - information about your creditworthiness

NO

NO

For affiliates to market to you

NO

NO

For non-affiliates to market to you

NO

NO

Questions?

 Call (800) 452-4021 or go to www.fcpcu.com to contact us

What we do

How does First Carolina People's Credit Union 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 First Carolina People's Credit Union collect my personal information?

We collect your personal information, for example, when you

• open an account or show your government-issued ID
• apply for financing or show your driver's license
• make deposits or withdrawals from your account

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 nonaffiliates to market to you

State laws and individual companies may give you additional rights limit sharing.

Definitions

Affiliates

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

•  First Carolina People's Credit Union has no affiliates.

Nonaffiliates

 Companies not related by common ownership or control. They can be financial and nonfinancial companies.

•  First Carolina People's Credit Union does not share with our 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 CUNA Mutual Group's MEMBERCONNECT.