Pacific Advantage Federal Credit Union (PACADFCU) is committed to serving all the financial needs of its members. To accomplish this goal, we occasionally use the services of other companies to expand and diversify the financial services we can offer to you, our member. PACADFCU considers your financial privacy a top priority.

This Privacy Notice tells you how we protect the privacy of your personal information (information about you which may not be publicly available).

"We", "us" and "our" refers to Pacific Advantage Federal Credit Union; "you" and "your" refers to members and joint accountholders.

Information That We Collect and Disclose to Others.
We collect information about you from the following sources:

• Information we receive from you on applications and other forms you submit to us;
• Information about your transactions with us;
• Information about your transactions with others, including verification of that information;
• Consumer reporting agencies.

Parties to Whom We Disclose the Information.
We may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements such as those that provide mortgage, securities, and insurance services. These companies are not permitted to sell or reuse the information we provide.

We may also disclose information about you under other circumstances, as permitted or required by law. If you decide to terminate your membership with the Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

Confidentiality and security.
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Accuracy of Information.
We endeavor to keep our information about your accounts accurate and current. If you find any problems with any of your statements or other credit union information, please contact us at (650) 652-1365. We will research your request and correct any inaccuracies.

Online Privacy Policy.
If you send us an email, you should know that email is not necessarily secure against interception. If your communication includes sensitive information like your account, charge card, or social security number, please contact us by postal mail or telephone rather than email.

We do not collect information about you from our website unless you complete an application or other form available on the website; or communicate with us through our website.

Our privacy policy does not extend to other entities you link to through our site. You should review the privacy policy for each site you visit, and if communicating sensitive personal information through that site, you should also review the security features for that site.

Website Disclaimers/Disclosures.
The Pacific Advantage Federal Credit Union ("PACADFCU") Sites/Services may contain images of and links to third party Web sites ("Linked Sites"). The Linked Sites are not under the control of PACADFCU and PACADFCU is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. PACADFCU is not responsible for webcasting or any other form of transmission received from any Linked Site nor is PACADFCU responsible if the Linked Site is not working appropriately. PACADFCU is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by PACADFCU of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites.