Privacy Notice

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.

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

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.

For our everyday business purposes—such as to process your transactions, maintain the account(s) you have with us, 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 non-affiliates to market to you

No

We do not share

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 is providing this notice?

Hawaii Community Federal Credit Union.

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.

Affiliates

Companies related by common ownership or control.
They can be financial and nonfinancial companies.
· Hawaii Community Federal Credit Union does not have affiliates

Non-affiliates

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.

Joint marketing

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.