| Privacy Policy
& Web Site Disclosures/ Online Policy
We work hard to ensure that all of the information
contained in this web site is current, accurate and usable. This
information should be construed only as a guideline.
All information on this web site is subject
to change, at any time, without notice. Before using any information
on this web site that you feel may be questionable, you should contact
the credit union at info@hamiltonhorizons.org
or call us at (609) 631-4300 or (800) 449-3221 to ask for additional
information.
WE RESPECT YOUR PRIVACY
To review our Privacy Policy, click here
to download in a PDF format, or simply read below:
| FACTS |
WHAT
DOES Hamilton Horizons DO WITH YOUR PERSONAL INFORMATION? |
| Why? |
Hamilton
Horizons needs to collect and share members’ information
for everyday business purposes. However, the types of personal
information we collect and share depend on the products and
services that you have and apply for with the Credit Union. |
| What? |
The types of personal information
we collect and share depend on the products or services you
have with us. This information can include:
- Social Security number and income
- Account balances and payment history
- Credit history and credit scores
- Account transactions and employment
information
|
| How? |
Hamilton Horizons
chooses how we share your personal information. Federal law
gives you 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 the means by which we share your information. |
|
Reasons we can share
your personal information:
|
Does Hamilton
Horizons 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 make members aware of our latest promotions
and offer you new products and services to better meet your
financial needs. |
Yes
|
Yes
|
| For Joint Marketing
with Other Financial Companies |
No
|
We Do Not Share
|
| For Our Affiliates’
Everyday Business Purposes – information about your transactions
and experiences |
Yes
|
No
|
| For Our Affiliates’
Everyday Business Purposes – information about your creditworthiness |
Yes
|
No
|
| For Our Affiliates
to Market To You |
Yes
|
Yes
|
| For Non-Affiliates to Market
To You |
No
|
We Do Not Share
|
| To
Limit Our Sharing(Opt Out) |
By Federal Law, you have the right
to limit some sharing of your personal
information, including sharing for:
- Affiliates’ everyday business
purposes – limited to information regarding
your creditworthiness
- Affiliate marketing purposes
- Non-affiliate marketing purposes
To limit our sharing of your information:
- Call 609-631-4300
- Visit our office
Please Note: If you are a new member,
we can begin sharing your information 30 days from the
date you received this notice. When you are no longer a member,
we continue to share your information as described in this
notice. However, you can contact us at any time to limit our
sharing (opt out).
|
| Questions? |
Call 609-631-4300 or visit www.hamiltonhorizons.org. |
| What We
Do |
| How
Does Hamilton Horizons 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, secured
files and buildings. |
| How
Does Hamilton Horizons Collect My Personal Information? |
We collect your personal information,
for example, when you:
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your credit or debit card
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 information
to market to you
- Sharing for non-affiliates to market
to you
State law and individual companies
may give you additional rights to limit sharing.
|
| What
Happens When I Limit Sharing for an Account I Hold Jointly with
Someone Else? |
Your choices
will apply to everyone on your account - unless you tell us
otherwise. |
| Definitions |
| Affiliates |
Companies related by common ownership
or control; includes both financial and non-financial companies.
- Our affiliates include financial
companies such as our credit card vendor, and mortgage service
provider, non-financial companies such as our contracted
credit union service organizations.
|
| Non-Affiliates |
Companies not related by common ownership
or control; includes both financial and non-financial companies.
- Hamilton Horizons shares information
with non-affiliated financial or non-financial companies.
|
| Joint
Marketing |
A formal agreement between non-affiliated
financial companies that market financial products and services
jointly.
- Hamilton Horizons does not share
with non-affiliated financial companies for joint marketing
purposes.
|
| Security |
| Internet
& Electronic Banking Privacy |
We
secure our members’ privacy through the use of technological
methods such as, but not limited to, encryptions and firewalls.
The Credit Union reserves the right to adjust technological
resources to protect member privacy. |
| Online
Banking |
We
use a cryptographic (digital certificate) key to secure account
information transmitted between the member and the institution.
We also use firewalls to protect your accounts from unauthorized
access from outside the credit union. |
| Web
Bill Pay |
This
notice provides that Check Free Corporation (our Bill Payment
provider) will disclose information to third parties ONLY in
the following situations: (1) when it is necessary to complete
a transaction, (2) when it is necessary for activating additional
services, (3) to verify the existence and condition of your
account to a third party, such as a credit bureau or payee,
(4) to a consumer reporting agency for research purposes only,
(5) to comply with a government agency or court orders, or (6)
when you give us your written permission to do so. |
| Links |
We
provide links to third parties’ websites as a convenience
to members. We are not responsible for the content of the third
party websites nor does the content represent the Credit Union.
The third party websites are not insured by the National Credit
Union Administration (NCUA). We inform members that the privacy
and security policies of third party websites and/or links may
differ from those practiced by the Credit Union. |
| Children
Online |
We do not
knowingly market to, or solicit information from, children under
13 without parental consent. We recognize that protecting children’s
identities and privacy online is important and the responsibility
to do so rests with both the online industry and with parents. |
TO CONTACT US
Phone: (609) 631-4300 or (800) 449-3221
Fax: (609) 631-9605
E-Mail: info@hamiltonhorizons.org
Mailing Address: 3535 Quakerbridge Rd Suite 600
Hamilton, NJ 08619
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