Account Agreement

For a CONSUMER DISCLOSURE or COMMERCIAL DISCLOSURE, please visit any branch location or call 800-858-1693.

PRIVACY POLICY DISCLOSURE [Revised 09/2018]

Reasons We can share Your personal information	Does the 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 non-affiliates to market to You	No	We don't share
Questions? Call (812) 253-MYCU [6928] or toll free (800) 858-1693

What We Do
How does Heritage 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.
How does Heritage Federal Credit Union 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 others.
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 non-affiliates to market to You State laws and individual companies may give You additional rights to limit sharing.

What We Do

How does Heritage 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.

How does Heritage Federal Credit Union 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 others.

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 non-affiliates 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 non-financial companies. Heritage Federal Credit Union does not share with Our affiliates.
Non-Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Heritage Federal Credit Union does not share with non- affiliates so they may market to You.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to You. Our joint marketing partners include insurance companies.

COMMMERCIAL DISCLOSURE, please visit any branch location or call 800-858-1693.

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