PRIVACY POLICY
For a CONSUMER DISCLOSURE or COMMERCIAL DISCLOSURE, please visit any branch location or call 800-858-1693.
PRIVACY POLICY DISCLOSURE [Revised 03/2024]
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
| 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
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
State laws and individual companies may give You additional rights to limit sharing. |
| Definitions | |
|---|---|
| Affiliates |
Companies related by common ownership or control. They can be financial and non-financial companies.
|
| Non-Affiliated |
Companies not related by common ownership or control. They can be financial and non-financial companies.
|
| Joint Marketing |
A formal agreement between non-affiliated financial companies that together market financial products or services to You.
|
SMS/MMS Mobile Messaging: No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt in data and consent; this information will not be shared with any third parties.
Contacts Data: With permission, contacts data may be accessed to send money through peer-to-peer (P2P) payment platforms. If enabled on your device(s), we may access contact data to reduce the number of keystrokes made to send money through P2P payment services.
Device Images: With permission, device images may be accessed when taking pictures of checks for mobile deposit or sending money through peer-to-peer (P2P) payment platforms. If enabled on your device(s), we may access your camera to take and send pictures of the front and back of checks for mobile deposit or to reduce the number of keystrokes made to send money through P2P payment services.
COMMERCIAL DISCLOSURE, please visit any branch location or call 800-858-1693.
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