Privacy Notice

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Privacy Policy

Trust has always been the foundation of our relationship with members. To preserve your trust, we pledge to protect your privacy by adhering to the practices described below. By signing any application or agreement with us, or your use or continued use of any of our services with after receiving this document, you jointly and severally agree to the terms and conditions set forth in this Policy and Agreement. In this Agreement the terms “we,” “our,” or “us” means Heritage Trust Federal Credit Union; and the terms “you” or “your” means all members, consumers, borrowers and guarantors.

Types of Information we collect

We only collect information about our members for lawful business purposes, or as otherwise required by applicable law. We collect information about members from the following sources:

  • Applications for services, verifications, current and past employers, other forms and any communications you send to us including electronic messages from which we collect your name, address, phone numbers, social security numbers, financial data, birth date, gender and other information;
  • Transactions involving your accounts or services with us from which we collect information such as your name, account number, balance, payment history, parties to your transactions and credit card usage;
  • Consumer Credit Reports from which we collect information regarding your creditworthiness, credit history and account activity; and.
  • Market Research Firms that provide us with a variety of information regarding our members such as the number of individuals in a hosehold, home ownership.

You agree that the telephone numbers, street and e-mail addresses provided in your Membership Application and Signature Card, or any other application or communication sent to us are publicly available and will be used to provide notices, disclosures, statements, other communications (including but not limited to our responses to your e-mail communications) and offers for certain products or services.

We may also collect information from “cookies,” which are electronic files that capture information about you when you access our online services. However, this information is only used to facilitate the internal processing of your request or to facilitate the ease of using our web site. We do not disclose cookie information to nonaffiliated third parties. For more information on how we use cookies and keep your information confidential. See, How does Heritage Trust Federal Credit Union collect information about you through its Internet web site(s) and what is done with that information?

We consider your privacy and the confidentiality of your business with us to be paramount in the trust you place in us. When we do collect information about you it is to facilitate our relationship. We use two methods for collecting and using information:

  1. Through online forms on the web site(s) from data you provide when requesting products, services, or information from us. Some examples include loan applications, personal information updates, and Internet communications from you.
  2. By using small client-side files that reside on your computer called cookies, of which we use two types:
    a. Session cookies that expire at the end of your browsing session. For our purposes these are generally used by Heritage Trust On-Line Banking to facilitate the internal processing of the transactions you conduct through the service.
    b. Persistent cookies that expire at a date determined by us. These cookies are generally used to help us measure the effectiveness of our advertising campaigns and do not contain any personally identifiable or confidential information. They can also be used to help you personalize your experience on our web site(s) should we choose to offer such a service.
    Under no circumstances can a web site other than those from our domain read or interact with the cookies created by our domain and we do not share any data we may collect from cookie information that can be personally identifiable.

For more information about cookies and how they work visit:
http://www.ufaq.org/navcom/lyncookie.html
http://www.microsoft.com/info/cookies.htm

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Types of Information we disclose

To benefit our members and former members, we only share the information described in the Section above, within the Credit Union, which includes all employees, directors, agents, volunteers, committee members and field agents, and with certain trusted third parties described in this paragraph including other financial institutions with which we have joint marketing agreements, who are obligated to maintain the confidentiality and security of your private information.

We use the services of various third parties to assist us in offering financial services to our members. For example, we use the services of third parties for processing or facilitating transactions using credit cards, checks (share drafts), debit cards and other access devices including home-banking; for assistance in making loans, loan underwriting; processing loan applications; appraising collateral; statement printing; bookkeeping and accounting; consulting and business development services; and for processing our outgoing mail.

We also work with companies such as Allied Solutions, Inc., CUNA Mutual Insurance Society and Members Financial Services offered through CUNA Brokerage Services, Inc. that may provide financial services such as financial planning, financial counseling, investment services, extended automotive service contracts, personal, property or other insurance, mortgage loan services, credit card services, check ordering services, credit counseling, retail automobile sales and travel services to you.

 

Information We Share. Allied Solutions, CUNA Mutual Insurance, and Members Financial Services, provide services including financial, insurance and investment. We may share the following information with these companies so they can serve you more efficiently:

  • Member information such as name, address, social security number, birth  or account number;

If you prefer that we do not disclose such information about you, you may direct us not to make those disclosures (other than disclosures permitted by law). This “opt-out” will not apply to disclosures that are permitted by law. You may opt-out of these disclosures or revoke your opt-out election at any time. If you wish to opt-out of this disclosure, you may contact us at 843-832-2600 or 800-845-5550 to exercise this right:

Fair Credit Reporting Act Disclosure
. The Fair Credit Reporting Act governs the sharing of information that may impact upon you for purposes involving credit, collections, employment, insurance, and other purposes set forth in Section 604 of the Act. We learn information about you from our experience with you and from information provided by others, such as through credit reports. The Fair Credit Reporting Act permits us to share with our affiliates and credit reporting agencies information we learn from our experience with you. We may also share information provided by others but will not share this information if you direct us otherwise. You may direct us not to share the information provided by others by exercising your opt-out election in the same manner as set forth above. In the opt-out election, you will have the option of including or excluding the Credit Union from your opt-out election.

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Security

We are committed to taking every reasonable precaution to protect individual identifying information that you provide to us. We restrict access to nonpublic personal information about you to employees who need to know that information to provide products or services to you.

We also maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

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Notices and Joint Relationships

Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement or other document.

If this person (member) has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, to the e-mail or Internet address provided by said person. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.

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E-mail

When you e-mail us, we may maintain your e-mail address to respond to services requested of you. We may also send information to you regarding our services.

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Information We Collect Online

  • We use your IP address and aggregate log file statistics to help diagnose problems with our server, and to administer our web site. Your IP address, etc. is used to help identify you.
  • Cookies are electronic markers that are stored directly on the computer you are using to indicate activity or access to a specific web site or pages contained on a web site. When you return to our web site, your browser will give that information back to our server. We use cookies to maintain the state of your session on our web site and to store your computer’s configuration data. This cookie data is tied to your personally identifiable information to enable our service. If you disable cookies on the computer you are using, you will not be able to bank online with us or access www.HeritageTrust.org. We do not encode your personal identifiable information in our cookies.
  • Our site’s applications and forms require users to give us contact information (such as name and e-mail address) and financial information (e.g. account numbers). The member’s contact information is used to contact the visitor for the purposes of account maintenance, customer service or dissemination of product & service information.
  • We have calculator functions on the site that allow you to calculate different financial scenarios. These are stand-alone functions and are not tied to you or your personal information so when you use these functions, we do not collect, capture or retain your personal information.
  • This site may contain links to other sites. Heritage Trust Federal Credit Union is not responsible for the collection and use practices of nonaffiliated third parties to which our web site may link or for the content of such web sites.
  • Our site uses forms for members to request information, products, and services. We collect your financial information and other personal information only as necessary to respond to your request or perform according to your instructions. Financial information that is collected is used to check the user’s qualifications.
  • Our site collects personally identifiable information from you when you perform transactions using our Bill Payand Funds Transfer Services online. This information is used exclusively to fulfill the requested transaction.
  • If you do not interact with us when you browse our web site anonymously, we do not collect your personal information including your e-mail address. We may, however, gather data that is not personally identifiable to you such as length of user visit, number of hits and pages visited to evaluate the usefulness of our web site.
  • If a user wishes to enroll in our email subscription list for Heritage Trust Federal Credit Union disclosure and communication information, we ask for contact information such as name and email address. Out of respect for our users privacy we provide a way to opt-out of these communications. This information is not shared with any external organizations.

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Your Privacy Choices

You have the right to “opt out” of information sharing.  The Fair Credit Reporting Act governs the sharing of information that may impact upon you for purposes involving credit, collections, employment, insurance, and other purposes set forth in Section 604 of the Act. We learn information about you from our experience with you and from information provided by others, such as through credit reports. The Fair Credit Reporting Act permits us to share with credit reporting agencies information we learn from our experience with you. Heritage Trust Federal Credit Union may share information with third parties for normal business reasons.

The federal law permits financial institutions to share information under these circumstances; therefore, you may not be able to “opt out” of any of our information sharing activities regarding these conditions.  We may also share information provided by others but will not share this information if you direct us otherwise. You may direct us not to share the information provided by others by exercising your right to opt-out

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How to Opt Out of Information Sharing

If you prefer that we do not disclose nonpublic personal information about you to nonaffiliated third parties , you may opt out of those disclosures (other than disclosures permitted by law).

If you wish to opt out of the disclosures to nonaffiliated third parties and/or including materials from Heritage Trust FCU, please contact us at 843-832-2600 or 800-845-5550.

You may opt out of these disclosures at any time. This opt out, by law, will not apply to disclosures that are legally permitted, disclosures to other financial institutions that have joint marketing agreements with us, disclosures we make to companies that perform services on our behalf, or companies that process or service transactions you request or authorize.

Once we receive your request, we have a reasonable amount of time to stop the disclosures. You may always contact us for assistance if you wish to later revoke your opt out election.

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How to help protect your privacy

  • Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit card or credit card; that makes you vulnerable in the event you lose your card or your card is stolen.
  • Use caution in revealing account numbers, social security numbers, etc. to other persons. If a caller tells you he/she is calling you on behalf of the credit union and asks for your account number, you should beware. Legitimate credit union staff would already have access to that information.
  • It’s important that the credit union has current information about how to reach you. If we detect potentially fraudulent use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

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Protecting Children’s Privacy

We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.

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Phishing Scams

“Phishing” scams often come as official looking Email that appear to have come from your Credit Union, bank, credit card company, or eBay, etc. The Email usually says that there is something wrong with your account or that they need to verify your information.

These messages have been forged and are fraudulent. Your Credit Union, bank, credit card company, etc., will not contact you by Email to verify your information or inform you that you have a problem with your account. You should just delete these messages; never reply to them and never follow their instructions.

For further information you may wish to review the information provided at the following links:

How Not to Get Hooked by a ‘Phishing’ Scam: From the Federal Trade Commission —http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt127.shtm

Privacy: Tips for Protecting Your Personal Information: From the Federal Trade Commission —http://www.ftc.gov/bcp/menus/consumer/tech/privacy.shtm

Copyright© 1993-2009  by Credit Union Resources & Educational Services, LLC. All rights reserved.
Revised March 10, 2010

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