Account Agreement/Disclosures/Privacy Policy

For a CONSUMER DISCLOSURE or COMMERCIAL DISCLOSURE, please visit any branch location or call 800-858-1693.

PRIVACY POLICY DISCLOSURE [Revised 09/2018]

FACTS

WHAT DOES HERITAGE FEDERAL 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 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 transaction 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 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 Heritage Federal Credit Union chooses to share; and whether You can limit this sharing.

Reasons We can share Your personal 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 products 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

WE DON'T SHARE

For Our affiliates' everyday business purposes - information about Your creditworthiness

NO

WE DON'T SHARE

For Our affiliates to market to You

NO

WE DON'T SHARE

For non-affiliates to market to You

NO

WE DON'T SHARE

Questions? Call (812) 253-MYCU [6928] or toll free (800) 858-1693

 

PRIVACY POLICY DISCLOSURE (continued)

Page 2

 

What We do

How does Heritage Federal 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 Heritage Federal Credit Union 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
  • use Your credit or debit card

We also collect Your personal information from others, such as credit bureaus, affiliates, or others.

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 non-affiliates 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.

  • Heritage Federal Credit Union does not share with Our affiliates.

Non-Affiliates

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

  • Heritage Federal Credit Union does not share with non- affiliates so they may market to You.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to You.

  • Our joint marketing partners include insurance companies.

 

 

MERCIAL DISCLOSURE, please visit any branch location or call 800-858-1693.

 

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