Privacy Policy & Disclosure

Protecting our members’ privacy is very important to us at Greenville Heritage Federal Credit Union. Because you trust us with your financial and other personal information, we are committed to respect your privacy and safeguard that information. Therefore, we pledge to protect your privacy by adhering to the practices described within this Privacy Policy and Agreement. By signing any application or agreement with us, or your use or continued use of any of our services after receiving this document, you jointly and severally agree to the terms and conditions set forth in this Policy and Agreement. In this Agreement the terms we, our, or us means Greenville Heritage Federal Credit Union; and the terms you or your means all members, consumers, borrowers and guarantors.

Types of Information We Collect
We only collect information about our members for lawful business purposes, or purposes otherwise required by applicable law. We collect information about members from the following sources:

• Applications for services, verifications, current and past employers, other forms and any communications you send to us, including electronic messages from which we collect your name, addresses, phone numbers, social security numbers, financial data, birth date, gender and other information;
• Transactions involving your accounts or services with us from which we collect information such as your name, account number, balance, payment history, parties to your transactions and credit card usage;
• Consumer Credit Reports from which we collect information regarding your creditworthiness, credit history and account activity; and
• Market Research Firms that provide us with a variety of information regarding our members, such as the number of individuals in a household and homeownership status.

You agree that the telephone numbers, street and e-mail addresses provided in your Membership Application and Signature Card, or any other application or communication sent to us are publicly available and will be used to provide notices, disclosures, statements, other communications (including but not limited to our responses to your e-mail communications) and offers for certain products or services.

The Credit Union’s Website
We may also collect information from “cookies,” which are electronic files that capture information about you when you access our online services. However, this information is only used to facilitate the internal processing of your request or to facilitate the ease of using our website. We do not disclose cookie information to nonaffiliated third parties.

We consider your privacy and the confidentiality of your business with us to be paramount in the trust you place in us. When we do collect information about you, it is to facilitate our relationship. We use two methods for collecting and using information:

1. Through online forms on the website(s) from data you provide when requesting products, services, or information from us. Some examples include loan applications, personal information updates, and Internet communications from you.
2. By using small client-side files that reside on your computer called cookies, of which we use two types:

a. Session cookies that expire at the end of your browsing session. For our purposes these are generally used by our Home Banking service to facilitate the internal processing of the transactions you conduct through the service.
b. Persistent cookies that expire at a date determined by us. These cookies are generally used to help us measure the effectiveness of our advertising campaigns and do not contain any personally identifiable or confidential information. They can also be used to help you personalize your experience on our website(s) should we choose to offer such a service.  

Under no circumstances can a website other than those from our domain read or interact with the cookies created by our domain and we do not share any data we may collect from cookie information that can be personally identifiable.

For more information about cookies and how they work visit:
http://www.ufaq.org/navcom/lyncookie.html
http://www.microsoft.com/info/cookies.htm

Types of Information We Disclose
To benefit our members, we share the information described in the section above within the credit union, which includes all employees, directors, agents, volunteers, committee members and field agents, and with certain trusted third parties described in this paragraph, who are obligated to maintain the confidentiality and security of your private information. We use the services of various third parties to assist us in offering financial services to our members. For example, we use the services of third parties for processing or facilitating transactions using credit cards, checks (share drafts), debit cards and other access devices including home banking; for assistance in making loans, loan underwriting; processing loan applications; appraising collateral; statement printing; bookkeeping and accounting; consulting and business development services; and for processing our outgoing mail. We also work with companies that may provide financial services such as financial planning and counseling, investment services, extended automotive service contracts, personal and property insurance, credit counseling, retail automobile sales and travel services to you. We may also share information when permitted by applicable law.

Information We Share with Our Affiliates
Our affiliate(s), CUNA Mutual Group, Ser Technology Corporation, The Hartford Financial Services Group, Inc., Liberty Mutual Insurance Company, and Acumen I.T., provide services including insurance, investment, and marketing. We may share the following information with our affiliates so they can serve you more efficiently:

• Member information such as name, address, Social Security number, date of birth, e-mail address, or account number.
• Account information such as type of loan or share accounts.

If you prefer that we do not disclose such information about you, you may direct us not to make those disclosures (other than disclosures permitted by law). This “opt-out” will not apply to disclosures that are permitted by law. You may opt-out of these disclosures or revoke your opt-out election at any time. If you wish to opt-out of this disclosure, please call or visit your local branch or click here to obtain an Opt-Out Form. Complete the Opt-Out form and give to a branch employee or mail it back to Greenville Heritage FCU, P.O. Box 2564, Greenville, SC 29602-2564.

Fair Credit Reporting Act Disclosure
The Fair Credit Reporting Act governs the sharing of information that may impact upon you for purposes involving credit, collections, employment, insurance, and other purposes set forth in Section 604 of the Act. We learn information about you from our experience with you and from information provided by others, such as through credit reports. The Fair Credit Reporting Act permits us to share with our affiliates and credit reporting agencies information we learn from our experience with you. We may also share information provided by others but will not share this information if you direct us otherwise. You may direct us not to share the information provided by others by exercising your opt-out election in the same manner as set forth above. In the opt-out election, you will have the option of including or excluding the Credit Union from your opt-out election.

Security
We are committed to taking every reasonable precaution to protect individual identifying information that you provide to us. We restrict access to nonpublic personal information about you to employees who need to know that information to provide products or services to you. We also maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do to Help
Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. In particular, never keep your PIN with your debit card or credit card, as that makes you vulnerable in the event you lose your card or your card is stolen. Use caution in revealing account numbers, social security numbers, etc. to other persons. In particular, if a caller tells you he/she is calling you on behalf of the credit union and asks for your account number, you should beware. Legitimate credit union staff would already have access to that information.  It’s important that the credit union has current information about how to reach you. If we detect potentially fraudulent use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

Access to Account Information
You agree that all owners and authorized users may have access to all the information you provide to us, or which we gather and maintain regarding our relationships with you. This includes, but is not limited to information regarding transactions, account history, your loan relationships with us, and other information relating to or arising with regard to any of your accounts, loans or services with us. You acknowledge and agree that any owner of a joint account or service, or any co-borrower may provide authority to others, who will have access to all such information as to all owners and/or co-borrowers.

Notices and “Joint Relationships”
Except where expressly required by applicable law, we will provide all notices to the person (member) listed first on any application, agreement or other relevant document with us. The notice will be mailed to the address noted for said person on the application, agreement or other document. If this person has agreed to receive notices and disclosures electronically, then we can send all such notices and notifications, to the e-mail or Internet address provided by said person. All joint owners, borrowers and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.

Modification
The credit union reserves the right to modify, change or amend this Privacy Policy and Agreement at any time without notice other than as expressly required by applicable law.

Protecting Children
We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents.

Beware of Phishing Scams
“Phishing” scams often come as official looking e-mail that appear to have come from your Credit Union, bank, credit card company, or eBay, etc. The e-mail usually says that there is something wrong with your account or that they need to verify your information. These messages have been forged and are fraudulent. Your Credit Union, bank, credit card company, etc., will not contact you by e-mail to verify your information or inform you that you have a problem with your account. You should just delete these messages; never reply to them and never follow their instructions.
For further information you may wish to review the information provided at the following links:

How Not to Get Hooked by a ‘Phishing’ Scam: From the Federal Trade Commission
http://www.ftc.gov/bcp/conline/pubs/alerts/phishingalrt.htm

Privacy: Tips for Protecting Your Personal Information: From the Federal Trade Commission
http://www.ftc.gov/bcp/conline/pubs/alerts/privtipsalrt.htm