Privacy Notice
FACTS
WHAT DOES BIG ISLAND 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 checking account information
-
credit
history and employment information
-
income
and payment history
When you are
no longer our customer, 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 Big Island Federal Credit Union chooses to
share; and whether you can limit this sharing.
|
Reasons we can share your personal
information |
Does Big Island 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 |
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 |
No |
We don't share |
QUESTIONS?
Call us at 808-935-9778 or send an email to
info@bigislandfcu.com
WHAT WE DO
|
How does Big Island 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 and secured files and
buildings. We restrict access to non-public personal information
about you to those employees, service providers, auditors, and
examiners who need to know that information to provide products
or services to you.
|
|
How does Big Island Federal Credit Union collect my personal
information? |
We collect
your personal information, for example, when you
-
open an
account or pay your bills
-
apply for a loan or use your credit or debit card
-
make deposits or withdrawals from your account
We also collect your personal information form other companies. |
|
Why can't I limit all sharing? |
We collect
your personal information, for example, when you
-
open an account or apply for a loan
-
apply for insurance or enter into investment
-
advisory contract
-
apply for financing
We
also collect your personal information form other companies. |
DEFINITIONS
|
Affiliates |
Companies
related by common ownership or control. They can be financial
and nonfinancial companies.
Big Island
Federal 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, plastic
card processors (credit/debit/ATM), financial statement
publishers or printers, mailhouse, consumer reporting agencies,
data processors, check/share draft printers, and direct
marketing companies
|
|
Joint Marketing |
A formal
agreement between nonaffiliated financial companies that
together market financial products or services to you.
Our joint marketing
partners include CUNA Mutual Group's MEMBERCONNECT |
WHAT MEMBERS CAN DO TO HELP
Big Island Federal Credit Union is committed to protecting the
privacy of its members. Members can help by following these simple
guidelines:
- Protect your account numbers, plastic card numbers, PINs (personal
identification numbers) or passwords. Never keep your PIN with
your card, which can provide free access to your accounts if
your card is lost or stolen.
- Use caution when disclosing your account numbers, social security
numbers, etc. to other persons. If someone calls you explaining
the call is on behalf of the credit union and asks for your
account number, you should beware. Official credit union staff
will have access to your information and will not need to ask
for it.
- Keep your information with us current. If your address or
phone number changes, please let us know. It is important that
we have current information on how to reach you. If we detect
potentially fraudulent or unauthorized activity or use of an
account, we will attempt to contact you immediately.
- Let us know if you have questions. Please do not hesitate
to call us -- we are here to serve you!
For more information on our Privacy Policy,
you may write us at 66 Lono Street, Hilo, Hawaii, 96720 or call us
at 808-935-9778.
This notice meets the notification requirements of the National Credit
Union Administration regulation on privacy of consumer information,
Part 716.
|
