What does Horizon 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 income
- account balance and payment history
- credit history and credit scores
How
All financial companies need to share customers’ personal information to run their everyday business. In the section below, We list the reasons financial companies can share their customers’ personal information, the reasons Horizon Credit Union chooses to share, and whether You can limit this sharing.
Reasons we share Your personal Information and You are unable to 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 report to credit bureaus.
- For Our marketing purposes — to offer Our products and services to You
- For joint marketing with other financial companies
The Credit Union doesn’t share in the following situations:
- For Our affiliates’ everyday business purposes — information about Your transactions
- For Our affiliates’ everyday business purposes — information about Your creditworthiness
- For Our affiliates to market to You
- For NON-affiliates to market to You
- SMS Consent is never shared or transferred to affiliates or non-affiliates
What we do
How does Horizon 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 Horizon Credit Union collect my personal information?
We collect Your personal information, for example when You:
- open an account or deposit money
- pay Your bills or apply for a loan
- use Your credit or debit card
We also collect Your personal information from others , such as credit bureaus, affiliates, or others.
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 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 and non-financial companies. Horizon Credit Union has no affiliates.
Non-Affiliates: Companies not related by common ownership or control. They can be financial or non-financial companies. Horizon Credit Union does not share with non-affiliates so they can market You.
Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to You. Our joint marketing partners include categories of companies such as: financial service providers and insurance companies.
Online Services and Mobile Devices
HCU CARD DEFENSE MOBILE APP
COOKIES
Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the site and to assist us with resolving questions regarding the site. We also utilize cookies for advertising purposes. Tracking technologies also used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.