HEALTHCARE FAMILY CREDIT UNION
PRIVACY POLICY
Read the Patriot Act statement.
Health Care Family Credit Union is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at Health Care Family Credit Union.
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either service to us or additional financial products for you to consider.
Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.
Information We Collect and Disclose About You
We collect and may disclose the following nonpublic personal information:
Information we receive from you on membership and loan applications and other forms
Information about your transactions with us or others
Information we receive from a consumer reporting agency
Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions
We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.
If you terminate your membership with Health Care Family Credit Union, we will not share information we have collected about you, except as permitted or required by law.
How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.
REGULATION D IS LAW!
WARNING! In any month, you are allowed only six (6) savings withdrawals or transfers to another credit union account of yours or to a third party by preauthorized, automatic, telephonic, or computer transfer. No more than three (3) of the six (6) may be made by check, debit card, or similar order to a third party. If you exceed the limitations set forth, your account will be subject to a $20 per item Bounce Safe fee if we pay the item(s), a $15 per item return fee(s) if we don’t pay the item(s), or even account closure in accordance with Federal Regulation D. BY LAW, we must enforce Regulation D. Thank you for your cooperation. |
