Privacy Notice

Your privacy matters to us. Learn more about how we protect your privacy and important personal data. 
 
Effective 6/2020
 

What does P1FCU 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
  • Credit history
  • Account balances
  • Account transactions
  • Payment history
  • Employment information 

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 P1FCU chooses to share; and whether you can limit this sharing.
 
Reasons we can share your personal information Does P1FCU 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 
 No We don't share
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 nonaffiliates to market to you No We don't share
The above excludes text messaging originator opt-in data and consent; this information will not be shared with any third parties.
 

To limit our sharing

Call toll-free 800-843-7128 to speak with a member service 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 a member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. 
 

Questions?

Call (208) 746-8900 or 1-800-843-7128 or go to www.p1fcu.org
 

Who We Are

Who is providing this notice?

P1FCU means Potlatch No. 1 Financial Credit Union.
 

What We Do

How does P1FCU 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. We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
 

How does P1FCU collect my personal information?

We collect your personal information, for example, when you
  • Apply for a loan
  • Give us your wage statements
  • Give us your employment history
  • Show your driver's license
  • Give us your contact information
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.
 

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.
P1FCU has no affiliates.
 

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.
P1FCU 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.
Our joint marketing partners include Credit Card companies, Reward Card companies and Insurance companies.

AI Technology Use

Our credit union employs various artificial intelligence ("AI") technologies on this website to enhance member services, analyze data, and provide personalized experiences. While we strive to ensure accuracy and reliability, users acknowledge that AI-generated content and recommendations are provided "as is" without warranty of any kind. Our credit union assumes no liability for decisions made based on AI-generated information, inaccuracies, errors, or omissions resulting from AI usage. By using this website, you consent to AI processing of your interactions and submitted information in accordance with our privacy policy and applicable data protection laws. We maintain stringent data governance practices to safeguard your information; however, AI technologies may collect, store, and use inputted information. Users should exercise discretion when sharing sensitive financial or personal information through AI-enabled features on this website. This disclaimer shall be governed by and construed in accordance with the laws of the State of Idaho.
 

Website Privacy Statement

Effective 09/2025

Website Activity Tracking

To enhance your online experience, we use tools such as cookies and Google Analytics to understand how our site is used, which pages are visited, and what content interests you. These technologies help us improve website performance, enhance user experience, and tailor content based on usage patterns. Information collected may include pages visited, session duration, interactions, and device/browser details.

These tools include cookies and pixels (which track visits, preferences, and ad interactions), session recordings (which help us understand how users navigate our site), and device/browser identification (to recognize returning visitors and ensure security). We are committed to protecting your privacy and ensuring that all collected data is anonymized, securely processed in an aggregated manner, and used solely to enhance our website and services.

Video View Activity Tracking

We also track video view activity on our website to analyze engagement and improve content. In compliance with the Video Privacy Protection Act (VPPA), video viewing data is collected and processed in an anonymous and aggregated manner, and we do not associate this information with any personally identifiable details.

Data Sharing with Third Parties

We do not sell your personal information. We may share information with trusted third parties who assist us in operating our website and services, including:

  • Technology and security providers
  • Marketing or analytics service providers (for internal use only)
  • Government or regulatory bodies, when required by law
All third parties are required to protect your information in accordance with our standards and applicable regulations. To enhance functionality and improve user experience, we may share website activity data, including tracking insights, with third-party service providers such as analytics, security, and content delivery tools. These providers are authorized to use the data solely to support our website operations and improvements.

Children’s Privacy

Our website is not intended for children under the age of 13, and we do not knowingly collect or store personal information from anyone in this age group. If we learn that we have collected personal information from a child under 13 without verified parental consent, we will take steps to delete that information promptly.

Third-Party Links

Our website may contain links to third-party websites or services that are not operated or controlled by Magnifi. We are not responsible for the privacy practices, content, or policies of those third parties. We encourage users to review the privacy policies of any third-party sites they visit.

Website Policy Updates

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make updates, we will revise the "Effective Date" at the top of the policy and, when appropriate, notify users of significant changes. We encourage you to review this policy periodically to stay informed about how we protect your information.
Please contact us if you have any questions or concerns about our tracking practices or policies.