Facts
WHAT DOES HAMAKUA FEDERAL CREDIT UNION D
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 accounts, products or
services you have with us. This information can include:
- Name, address, Social Security Number, and income
- Account balances and payment history
- Credit history and credit scores
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 Hamakua Federal Credit Union chooses to share; and whether
you can limit this sharing.
| Reasons we can share your personal information | Does Hamakua Federal Credit Union share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes—such as to process your transactions, maintain the account(s) you have with us, 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 | Yes | Yes |
| For our affiliates’ everyday business purposes—information about your transactions and experiences | No | We do not share |
| For our affiliates’ everyday business purposes—information about your creditworthiness | No | We do not share |
| For our affiliates to market to you | No | We do not share |
| For non-affiliates to market to you | No | We do not share |
To limit our sharing
- Call 808-964-5566, visit us online at www.hamakuafcu.org, visit the Credit Union, or mail in the
form below.
Please note: If you are a new member, we can begin sharing your information [30] days from the
date we sent you 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.
If you have questions, call us at 808-964-5566 or visit our website at www.hamakuafcu.org.
Who We Are
Who is providing this notice?
- Hamakua Federal Credit Union.
What We Do
How does Hamakua 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, secured files and buildings, procedural safeguards and safe record
storage. We will continue to review and modify our security controls in the future to
deal with changes in products, services and technology
How does Hamakua Federal
Credit Union collect my
personal information?
We collect your personal information, for example, when you
- start an account
- apply for a loan
- use your credit or debit card
- pay your bills
- make deposits to or withdrawals from the accounts you have with us
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:
- 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 the account you have with us.
Definitions
Affiliates
Companies related by common ownership or control.
They can be financial and nonfinancial companies.
- Hamakua Federal Credit Union does not have affiliates
Non-affiliates
Companies not related by common ownership or control.
- They can be financial and nonfinancial companies.
- Hamakua Federal Credit Union does not share with non-affiliates so that 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 marketing partners include:
- Investment companies
- Insurance companies Insurance companies
- Other financial service providers