WHAT DOES HENRICO FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Facts
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
- Account balances, account transactions and transaction history
- Employment information and income
- Credit history, credit scores and payment history
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 Henrico Federal Credit Union chooses to share; and whether you can limit this sharing.
How does Henrico Federal Credit Union share your information?
| Reasons we can share your personal information |
Does Henrico Federal 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 |
No |
| 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 |
Questions?
Call (804) 266-0290 or write to:
Henrico Federal Credit Union
Administration Department
9401 West Broad St
Henrico, VA 23294-5331
To access a PDF verision, click here.
What we do
How does Henrico 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 and secured files and buildings.
We only work with companies that maintain strong confidentiality protections, and we restrict access to nonpublic personal information about you to only those employees who need to know that information.
How does Henrico Federal Credit Union collect my personal information?
We collect your personal information, for example, when you:
- open an account or provide account information
- make deposits or withdrawals from your account
- use your credit or debit card
- pay your bills
- apply for a loan
- give us your contact information or show us your driver’s license
- give us your income or employment information
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 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
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Henrico Federal Credit Union does not share with our affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Henrico Federal 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 CUNA Mutual Group’s MEMBERCONNECT
Other Important Information