Privacy Policy

FACTS	WHAT DOES HERITAGE 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 Heritage Credit Union’s Privacy Policy.

What?	The types of personal information we collect and share depend on the accounts or services you have with us. This information can include: Name, address, Social Security number, and income Account balances and transaction history Credit history and credit scores When you are no longer our member, we will not share your information except as permitted or required by law 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 Heritage Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information					Does Heritage 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	Yes
For joint marketing with other financial companies					N/A	N/A
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 nonaffiliates to market to you					No	We don’t share
To limit our sharing		Call 337-269-9880 or 866-269-9880 Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing
Questions		Call 337-269-9880 or 866-269-9880 or email us at heritagecreditunion@hcuworld.com or visit our website www.hcuworld.com
What we do
How does Heritage 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. We also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you.
How does Heritage Credit Union collect my personal information?			We collect your personal information, for example, when you Open an account or apply for a loan Apply for any credit union service Visit our website; provide us information on any online application or transaction, or information you send to us by email. Use your credit or debit card or pay your bills Make deposits to or withdrawals from your accounts We also collect your personal information from others, including credit bureaus or other companies.
Why can’t I limit all sharing?			Federal law only gives you the right to limit information sharing as follows: Sharing for affiliates’ everyday business purposes—information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you 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 nonfinancial companies. Our affiliates include financial service providers that offer card servicing and payment processing services.
Nonaffiliates				Companies not related by common ownership or control. They can be financial and nonfinancial companies. Heritage Credit Union does not share with nonaffiliates so they can market to you.
Joint marketing				A formal agreement between Heritage Credit Union and a nonaffiliated financial company where we jointly market financial products or services to you. Heritage Credit Union does not share with joint marketing companies.