Facts
WHAT DOES HEARTLAND AREA 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 balances
- checking account information and credit history
- credit scores 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 Heartland Area Federal Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Heartland Area Federal 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 to 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 | No |
| For our affiliates’ everyday business purposes – information about your transactions and experiences | No | No |
| For our affiliates’ everyday business purposes – information about your creditworthiness | No | No |
| For affiliates to market to you | No | No |
| For nonaffiliates to market to you | No | No |
Questions?
Call (402) 571-8444 or go to www.heartlandfcu.org
Who We Are
Who is providing this notice?
Heartland Area Federal Credit Union
What We Do
How does Heartland Area FCU 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 have an information Security Program and a Code of Ethics. All employees are expected to abide by programs and policies established in an effort to protect customer information.
How does Heartland Area FCU collect my personal information?
We collect your personal information, for example when you
- Open an account or deposit money
- Make a wire transfer or apply for a loan
- Use your debit or credit card
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 credit worthiness
- 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 or non-financial companies.
Heartland Area Federal Credit Union has no affiliates.
Non-Affiliates
Companies related by common ownership or control. They can be financial or nonfinancial companies.
Heartland Area Federal Credit Union does not share with non-affiliates 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.
Heartland Area Federal Credit Union does not jointly market.