Important Notice Regarding Your Personal Information
Rev. 01/2016
| FACTS | What does Harvard University Employees 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 – Account balances – Payment history – Transaction history – Credit history – Overdraft history When you are no longer a 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 Harvard University Employees Credit Union chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Do we 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 | No |
| For joint marketing with other financial companies | No | We don’t share |
| 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 non-affiliates to market to you | No | We don’t share |
What We Do
| How does Harvard University Employees 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 maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. |
| How does Harvard University Employees Credit Union collect my personal information? | We collect your personal information, for example, when you – Open an account – Provide your mortgage information – Make deposits or withdrawals from your account – Show your driver’s license – Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
| 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. See below for more on your rights under state law. |
Definitions
| Affiliates | Companies related by common ownership or control. They can be financial and non-financial companies. – Harvard University Employees Credit Union has no affiliates. |
| Non-affiliates | Companies not related by common ownership or control. They can be financial and non-financial companies. – Harvard University Employees Credit Union does not share with nonaffiliates so they can market to you. |
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. – Harvard University Employees Credit Union doesn’t jointly market. |
Other Important Information
| For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization. For Vermont Members/Customers. – We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. – Additional information concerning our privacy policies can be found at www.huecu.org or call 617-495-4460 |