|FACTS||WHAT DOES HARBOR POINTE 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:|
When you are no longer a member, we may 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 Harbor Pointe Credit Union chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Harbor Pointe Credit Union share?||Can you limit this sharing?|
|For our everyday business purposes – such as to process your transactions, maintain 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||No||We don’t share|
|For joint marketing with other financial companies||No||We don’t share|
|For our affiliates’ everyday business purposes – information about your transactions and experiences or information about your creditworthiness||No||We don’t share|
|For non-affiliates to market to you||No||We don’t share|
|Questions?||Call (218) 722-9242, 1-800-378-3828 or go to hpcu.us|
|What We Do|
|How does Harbor Pointe 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 Harbor Pointe Credit Union collect my personal information?||We collect your personal information, for example, when you|
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|
State laws and individual companies may give you additional rights to limit sharing.
|Joint Marketing||A formal agreement between non-affiliated financial companies that together market financial products or services to you.|
|Non-affiliates||Companies not related by common ownership or control. They can be financial and non-financial companies.|
|Affiliates||Companies related by common ownership or control. They can be financial and non-financial companies.|