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.
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:
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 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:
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:
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.
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.
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.
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.
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
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.
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.
“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