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Privacy Policy
 

Privacy Policy

Children's Privacy Policy
 

LOS ANGELES POLICE FEDERAL CREDIT UNION’S PRIVACY POLICY

FACTS

WHAT DOES LOS ANGELES POLICE FEDERAL CREDIT UNION (LAPFCU) 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 transaction history
  • account balances          and overdraft history
  • credit history                and credit card or other debt
When you are no longer our customer, 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 members’ personal information; the reasons LAPFCU chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does LAPFCU 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
No We don’t share
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 nonaffiliates to market to you
No We don’t share

 

Questions? Call 877-695-2732 or go to www.lapfcu.org

 

Who we are  
Who is providing this notice?
Los Angeles Police Federal Credit Union (LAPFCU)

 

What we do  
How does LAPFCU 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.
 
LAPFCU updates and tests our technology on a regular basis to improve the protection of Member Information.
How does LAPFCU collect my personal information?
We collect your personal information, for example, when you
  • open an account or deposit money
  • pay your bills or use your credit or debit card
  • apply for a loan
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 to limit sharing.

 

Definitions  
Affliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • LAPFCU does not share with our affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • LAPFCU does not share with 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.
  • LAPFCU doesn’t jointly market.

 

Other Online Information We Collect and Use

Cookies.  “Cookies" are pieces of data assigned by our web server and stored on your computer's hard drive for later retrieval. This helps us recognize you the next time you visit our site. We will not use cookies to record information that will enable anyone to contact you via telephone, email or regular mail. You may block the placement of cookies by adjusting the security settings on your web browser.

IP Address: Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits the website, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many websites. We use IP Addresses for purposes such as calculating website usage levels, helping diagnose server problems, and administering the website.

Do Not Track Signals:  All major browsers have a privacy setting for tracking or not tracking called “Do Not Track” (“DNT”).  California law requires us to disclose how we respond to web browser DNT signals.  In an effort to improve efficiency, LAPFCU collects statistical information on the time, frequency, and duration of visits to our website.  The information gathered does not contain personal identifiers and visitor information is never sold or given to third parties. If we receive a DNT signal, the LAPFCU website does not honor or respond to the request.  Our PATROL online banking solution requires Personally Identifiable Information (PII) such as a login ID and password to enable you the ability to conduct transactions during your online banking sessions.  We consider logging in to be your consent to track your activity in order to provide you with your account information.
 

Social Media Sites

LAPFCU provides experiences on social media platforms such as Facebook®, YouTube and Twitter®, and others that enable online sharing and collaboration among users who have registered with them.  All social media websites referenced on the LAPFCU website, or on social media websites in which LAPFCU has a presence, are controlled and administered by a third party, are not owned or controlled by LAPFCU, have different privacy policies from LAPFCU, and this LAPFCU Privacy Policy does not apply to those sites. Any content you post on social media websites is subject to the privacy policies of those platforms. You should refer to their privacy policies to better understand your rights and obligations with regard to such content and their privacy and information sharing practices.
 

 

Children's Privacy Policy

Los Angeles Police Federal Credit Union (LAPFCU) values the privacy of its young members. The Credit Union has established the following privacy policy in accordance with the Children's Online Privacy Protection Act of 1998:

As part of our ongoing commitment to youth, the Credit Union established the M3 Money Club and Get Real With LAPFCU Programs. These programs designed to educate and inform the sons, daughters, and grandchildren of LAPFCU members on saving for the future and developing money management skills. 

Information Collected:

Generally, Los Angeles Police Federal Credit Union does not collect personal information from its young members. Parents and/or grandparents may submit their child's name, birth date and LAPFCU account number online so the Credit Union can generate a birthday mailing to the child's address on record. LAPFCU associates handle this information confidentially to process the mailing of the birthday cards. At no time is the information sold or distributed to advertisers or other third parties. 

Cookies:

Cookie files are not used during the M3 Money Club or Get Real With LAPFCU sessions to store or collect personal information. Cookies are not required to navigate the LAPFCU web site. Los Angeles Police Federal Credit Union encourages parents to monitor and participate in online activity with their children to ensure their children have a safe, fun, and educational experience. If you have any questions, comments, or concerns regarding our children's privacy policy, please contact our privacy officer at the following address:

Internal Audit Manager
P.O. Box 10188
Van Nuys, CA 91410-0188
(877) 695-2732 ext. 317
 

  

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2014 Los Angeles Police Federal Credit Union All rights reserved.