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Privacy Disclosure

FACTSWHAT 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:

  • Social Security Number
  • Credit card or other debit
  • Credit history
  • Checking account information
  • Account transactions
  • Employment information

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 informationDoes 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 bureausYesNo
For our marketing purposes – to offer our products and services to youNoWe don’t share
For joint marketing with other financial companiesNoWe don’t share
For our affiliates’ everyday business purposes – information about your transactions and experiences or information about your creditworthinessNoWe don’t share
For non-affiliates to market to youNoWe 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

  • Give us your contact information
  • Provide your mortgage information
  • Pay us by check
  • Make a wire transfer
  • Give us your wage statements

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.

 

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

  • Harbor Pointe Credit Union doesn’t jointly market
Non-affiliatesCompanies not related by common ownership or control. They can be financial and non-financial companies.

  • Harbor Pointe Credit Union does not share with non-affiliates so they can market to you.
AffiliatesCompanies related by common ownership or control. They can be financial and non-financial companies.

  • Harbor Pointe Credit Union does not share with our affiliates.