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Privacy Policy

Rev. August 2014

FACTS

WHAT DOES FIRST COMMONWEALTH FINANCIAL CORPORATION 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 income
  • Account balances and payment history
  • Credit history and account transactions

How?

All financial companies need to share customers’ 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 First Commonwealth Financial Corporation chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does First Commonwealth Financial Corporation 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

YesNo

For our marketing purposes – to offer our products and services to you

YesNo
For joint marketing with other financial companiesYesNo

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

YesNo

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

YesYes
For our affiliates to market to youYesYes
For nonaffiliates to market to youNoWe don't share

To limit our sharing

Call us toll free at 800.711.2265 and talk with our Engagement Center Representative.

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, 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 toll free 800.711.2265

Who we are

Who is providing this notice?

  • First Commonwealth Bank
  • First Commonwealth Financial Corporation
  • First Commonwealth Insurance Agency

What we do

How does First Commonwealth Financial Corporation 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 Commonwealth Financial Corporation 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
  • Apply for insurance

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 - unless you tell us otherwise.

Definitions

Affiliates

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

  • Our affiliates include financial companies such as First Commonwealth Bank, First Commonwealth Financial Corporation and First Commonwealth Insurance Agency.

Nonaffiliates

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

  • First Commonwealth Financial Corporation 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, insurance companies, and registered broker/dealer.