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Privacy Policy
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| FACTS |
WHAT DOES THE HEIGHTS COMMUNITY 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 payment 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 members' personal information to run their everyday business.
In the section below, we list the reasons financial companies can share their members' personal information;
the reasons Heights Community Federal Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information |
Does Heights Community FCU 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
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YES |
NO |
For our marketing purposes—
to offer our products and services to you
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YES |
YES |
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For joint marketing with other financial companies
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NO |
NO |
For our affiliates' everyday business purposes—
information about your transactions and experiences
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NO |
NO |
For our affiliates' everyday business purposes—
information about your creditworthiness
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NO |
NO |
For non-affiliates to market to you
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NO |
NO |
| Questions? |
Call 610-868-8211 or go to www.htsfcu.org |
| What We Do |
| How does Heights Community 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.
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| How does Heights Community 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 other companies
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| 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.
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| Definitions |
| Affiliates |
Companies related by common ownership or control. They can be financial and
nonfinancial companies. Heights Community Federal Credit Union has no affiliates.
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| Non-affiliates |
Companies not related by common ownership or control. They can be financial and
non-financial companies. Heights Community Federal Credit Union does not share
with non-affiliates so they can market to you
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| Joint Marketing |
A formal agreement between non-affiliated financial companies that together market financial
products or services to you. Heights Community Federal Credit Union does
not jointly market.
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| Other important information |
| For more information on our Privacy Policy, you may
write us at 3530 Freemansburg Ave., Bethlehem, PA 18020, call us at 610-868-8211,
or visit our website at www.htsfcu.org. |
—Revised: 7/30/2010
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