Privacy Policy

Last Updated: April 2023

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

Protecting Children’s Private Information. Our online financial services are not designed for or directed specifically toward children (under 13 years old). 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. If you open accounts for or permit your children to use your online banking service, you are solely responsible for the actions of your children.

Website & Mobile Privacy Features

Use of Cookies, The Credit Union uses cookies when you visit our website. These cookies are essential for enabling user movement around our website and providing access to features such as your member-only resources, online banking, and other secure areas of the website. These cookies do not gather information about you that could be used for marketing purposes and do not remember where you have been on the internet and does not track or sell this data.

Mobile Banking Data Collection. HAPO supports the following mobile banking applications: HAPO Community CU Online Banking App, HAPO Debit Card App and HAPO Visa App. Depending on the features that are available and that you select, our mobile banking applications may collect, transmit, and process geolocation data, biometric data, camera images, and information from your contacts. This information may be used for fraud prevention, transaction authentication and controls, notifications, mobile deposit processing, and person-to-person payments. If you choose not to allow access to certain types of information, features that use the information may not be fully functional or may be inoperable.

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Privacy Policy

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