Financial Horizons Credit Union

Privacy Policy

FACTS: WHAT DOES Financial Horizons 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
  • credit history and credit scores
  • overdraft history and payment history

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 membersâ?? personal information; the reasons Financial Horizons Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal informationDoes Financial Horizons 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 Yes
For our affiliates' everyday business purposes – information about your transactions and experiences No We don't share
For our affiliates' everyday business purposes – information about your creditworthiness No We don't share
For our affiliates to market to you No We don't share
For nonaffiliates to market to you Yes Yes

To limit our sharing

Call toll-free (866) 310-6999 - our menu will prompt you through your choice(s) or - Visit us online: www.fhcunv.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.

Questions?

Call toll-free (866) 310-6999 our menu will prompt you through your choice(s) or go to www.fhcunv.org

What we do

How does Financial Horizons 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 Financial Horizons Credit Union collect my personal information?

We collect your personal information, for example, when you

  • open an account or apply for a loan
  • show your government-issued ID or give us your income information
  • give us your employment information

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 nonaffiliates to market to you

State law 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 nonfinancial companies.
- Financial Horizons Credit Union has no affiliates
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Nonaffiliates we share with can include insurance companies, government agencies, financial statement publishers or printers, mailhouse, mortgage service companies, consumer reporting agencies, and data processors
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include loan recapture programs

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