Privacy Policy

Rev 3/2021

FACTSWHAT DOES HAPO COMMUNITY 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 balances and payment history
  • Credit history and credit scores
When you are no longer our member, 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 HAPO chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes HAPO 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
YesNo
For our marketing purposes—
to offer our products and services to you
YesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes—
information about your transactions and experiences
NoWe don't share
For our affiliates’ everyday business purposes—
information about your creditworthiness
NoWe don't share
For nonaffiliates to market to youNoWe don't share
Questions?Call toll-free 800-284-4276 or go to www.hapo.org
What we do
How does HAPO 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 HAPO collect my personal information?We collect your personal information, for example, when you
  • open an account or apply for a loan
  • make deposits or pay your bills
  • use your credit or debit card
We also collect your personal information from others, such as credit bureaus and other companies.
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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
  • HAPO has no affiliates
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
  • HAPO does not share with nonaffiliates so they can market to you
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include investments and insurance companies
Other important information
Location Services. Our Mobile banking app periodically collects, transmits, and uses geolocation information to support features that prevent fraudulent card use and alerts, but only if you expressly authorize collection of such information. You may choose whether geolocation information can be monitored on a continuous basis in the background, only while the Mobile app is being used, or not at all. You can change your location permissions at any time in your device settings.