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Policy Description

WHAT DOES HENRICO FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

 
 

 

FACTS   WHAT DOES HENRICO FEDERAL 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 
  • 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.

Reasons we can share 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 transactions and experiences

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

HFCU Privacy Policy Resource

Download Privacy Policy PDF:

Privacy Policy

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

We may request access or permission to certain features from your mobile device, including your mobile devices' (Bluetooth, calendar, camera contacts, microphones, reminders, sensors, SMS messages, social media accounts, storage, etc.), and other features. If you wish to change our access or permissions, you may do so in your device's settings. This information is not shared with any third party or used for any other purposes. To turn off this permission at any time, go to your app "Settings" on your device and turn off the permission for Contacts by selecting "Don't allow".

Requests to delete or close an account require that you notify us one of the following ways: By mailing your request to: Henrico Federal Credit Union, 9401 West Broad Street, Henrico, VA 23294, or by emailing member services: MemberServices@henricofcu.org, or in person at one of our branch locations. Once an account is closed, you will no longer be able to access any information online about your account. Archived statements will be available for 7 years from the date of account closure by written request to the credit union.