Privacy Policy

WHAT DOES HOLYOKE 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 account transactions
  • Credit History and credit scores
  • Employment information and payment history

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 Holyoke Community Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons We Can Share your Personal Information

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.

  • For our marketing purposes – to offer our products and services to you. Do we share? YES. Can you limit sharing? NO.
  • For joint marketing with other financial companies. Do we share? YES. Can you limit sharing? NO. 
  • For our affiliates’ everyday business purposes – information about your creditworthiness. Do we share? NO.
  • For affiliates to market to you. Do we share? NO.
  • For non-affiliates to market to you. Do we share? NO.

What we do

How does Holyoke 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.
How does Holyoke Community Federal Credit Union collect my personal information?

We collect your personal information, for example, when you:

  • Open an or use your credit or debit card
  • Apply for financing or give us your wage statements
  • Show us your driver’s license

State laws and individual companies may give you additional rights to limit sharing.

 

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.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Holyoke Community Federal Credit Union has no affiliates
Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Holyoke Community Federal Credit Union does not share with our nonaffiliates so they can market to you
Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include CUNA Mutual MEMBERCONNECT and American Income Life Insurance Company

To limit our sharing or for general questions:

  • Call (970)854-3109 or (308) 882-6633
  • Visit us online: hcfcu.org

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.