Privacy

Revised July 2025

FACTS	What does Hawaii Community 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 accounts, products or services you have with us. This information can include: - Name, address, Social Security Number, and income - Account balances and payment history - Credit history and credit scores
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 Hawaii Community Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does HCFCU 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 report to credit bureaus	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	Yes
For joint marketing with other financial companies	Yes	Yes
For our affiliates’ everyday business purposes – information about your transactions and experiences	No	We do not share
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We do not share
For our affiliates to market to you	No	We do not share
For our non-affiliates to market to you	No	We do not share

To limit your sharing

Fill out and mail the form below to us.

Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent you 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 us at 808-930-7700 or visit us online at www.hicommfcu.com.

Mail-In Form
Do not share my personal information with other financial institutions to jointly market to me. If you have a joint account, your choice(s) will apply to everyone on the account.
Name
Address
Account No.
City, State, Zip
Mail to: Hawaii Community Federal Credit Union, Member Services 73-5611 Olowalu Street, Kailua Kona, HI 96740

Who We Are
Who is providing this notice?	Hawaii Community Federal Credit Union

What We Do
How does Hawaii Community 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, secured files and buildings, procedural safeguards and safe record storage. We will continue to review and modify our security controls in the future to deal with changes in products, services and technology.
How does Hawaii Community Federal Credit Union collect my personal information?	We collect your personal information, for example, when you - start an account - apply for a loan - use your credit or debit card - pay your bills - make deposits to or withdrawals from the accounts you have with us We also collect your personal information from others, including credit bureaus or other companies.
Why can’t I limit all sharing?	Federal law only gives you the right to limit: - 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.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on the account you have with us.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. - Hawaii Community Federal Credit Union does not have affiliates.
How does Hawaii Community Federal Credit Union collect my personal information?	Companies not related by common ownership or control. They can be financial and nonfinancial companies. - Hawaii Community Federal Credit Union does not share with non-affiliates so that they can market to you.
Why can’t I limit all sharing?	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our marketing partners include: - Investment companies, insurance companies and other financial service providers.