Privacy Policy

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Privacy Policy

FACTS WHAT DOES HealthCare Associates 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
  • transaction history and payment history
  • credit history and credit scores
How? All financial companies need to share member’s 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 HealthCare Associates Credit Union chooses to share; and whether you can limit this sharing. 

 

Reasons we can share your personal information Does HealthCare Associates 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 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 No We don't share

 

To limit our sharing
  • Call 630.276.5555 or 800.942.0158 (toll-free)
  • Visit us online: hacu.org

Please note:
If you are a new member, we can begin sharing your information 45 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 630.276.5555 or 800.942.0158 (toll-free) or go to hacu.org

 

Who we are
Who is providing this notice? HealthCare Associates Credit Union

 

What we do
How does HealthCare Associates 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 HealthCare Associates Credit Union collect my personal information? We collect your personal information, for example, when you:
  • open an account or apply for a loan
  • use your credit or debit card
  • pay your bills or make deposits or withdrawals from your account

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 — information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market 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 your account. 

 

Definition
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • HealthCare Associates Credit Union does not share with our affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. 

  • HealthCare Associates Credit Union does not share with nonaffiliates so they can market to you.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include, insurance companies, direct marketing companies and other types of financial product and service companies. 

 

Website Privacy Policy

HealthCare Associates Credit Union (HACU) is committed to protecting the privacy of members and other visitors to the HACU website. HACU has adopted the following website Privacy Policy:

Website Page
When you visit or site, we gather information including page request (URL request), time of your visit, your IP address, operating system, web browser software, and any cookies which were set during a previous visit to our site. The information is collected to improve your overall credit union experience. We also use the information to track site usage and compile statistics. This helps us improve the site so that you will find it more useful, informative and enable customized promotions you may be interesting in. IP address information is not distributed to third parties. 

Email
Personal information contained in email sent to HACU by members and non-members may be used by the Credit Union's Staff to answer questions, to follow up on suggestions or complaints, or to improve the level of service HACU provides. Please be advised that email may not be secure against interception by unauthorized individuals. 

Cookies
In order to provide certain Web-based services and to make your online experience more personalized, we may use cookies as part of our interaction with your Internet browser. Google Analytics^ is used by our website through cookies to help analyze how users access pages on the site. A cookie is very small piece of information stored on your local computer so it can later be read by our Web server. HACU uses cookies to display information more effectively to you and to gather data about usage of our website. Cookies allow us to collect technical and navigational information - such as browser type, time spent on our site, and pages visited or track activity relating to our online promotions. This information is anonymous and does not include personal information. We retain, aggregate, monitor, and analyze the use of our site so we can continually improve the design, usability, and functionality to better serve you. 

You can disable and delete cookies by accessing your browser's preferences menu; however, you should be aware that when cookies are disabled, other online account services provided through HACU may not work properly. For more information on working with cookies, consult the Help function of your browser. 

Weblinking 
HACU is committed to providing you with the most complete information possible to help you make sound financial decisions. As a convenience to you, HACU may link from this website to other websites or Internet resources operated by third parties. When you use a link from the HACU site to a third-party site, the linked site will appear in a new browser window or an alert will appear to notify you that you are leaving the HACU website. 

Links to third-party sites are solely for informational purposes and should not be construed to endorse or guarantee information or services provided on the linked site except as noted. HACU does not control third-party site privacy, security, and other policies. HACU’s Privacy Policy may also differ from third-party site privacy, security, and other policies. Please review a linked site's policies before providing personal information. In the event you conduct a transaction on a linked site, HACU will not represent either members or the owner of the linked or accessed site. 

HACU is committed to providing you with quality online service. If you find any information on the HACU website that you believe to be inaccurate or have concerns about a link to a third-party site, please email marketingnotifications@HACU.org. 

HACU reserves the right to change this policy without notice. Any changes to this policy will be posted as soon as reasonably possible, so please check this page periodically. Use of the HACU website constitutes consent to any policy then in effect. 

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