What Does Holyoke Credit Union Do With Your Personal Information?
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.
The type of personal information we collect and share depends on the product or service you have with us. This information can include:
- Social Security Number and Income
- Account Balances and Transaction or Loss History
- Credit History and Payment History
All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share personal information; the reasons Holyoke Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information:
|Does Holyoke Credit Union share?||Can you limit this sharing?|
|For our everyday business purposes – such as processing your transactions, maintaining your account(s), responding to court orders and/or legal investigations, or reporting 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||Yes|
|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 non-affiliates to market to you||No||We don't share|
To limit our sharing:
Call (413) 532-7007. Our menu will prompt you through your choices(s).
Or visit us online at Have a Question/Comment?
Please note: If you are a new Holyoke Credit Union member, we can begin sharing your information 30 days from the date we notify you of our sharing information. 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.
Call (413) 532-7007 or go visit online at Have a Question/Comment?
Who we are:
Who is providing this notice? Holyoke Credit Union
What we do:
How does Holyoke 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 Holyoke Credit Union collect my personal information?
We collect your personal information, for example, when you:
- Open an account or make deposits or withdrawals
- Apply for a loan or give us your income information
- Show us your driver's license
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 non-affiliates to market to you
State laws 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.
Affiliates – Companies related by common ownership or control. They can be financial and non-financial companies.
- Holyoke Credit Union has no affiliates.
Non-affiliates – Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Holyoke Credit Union does not share with non-affiliates so they can market to you.
Joint marketing – A formal agreement between nonaffiliated financial companies that jointly market financial products or services to you.
- Our Joint Marketing Partners may include insurance companies such as CUNA Mutual Insurance.
Other important information
For Massachusetts members: We will not share personal information from deposit or share relationships with non-affiliates for the purpose of either marketing to you or joint marketing without your authorization.
We adhere to Massachusetts Data Protection Law, regulation 201 CMR 17.00: Standards for the Protection of Personal Information of Residents of the Commonwealth.
Information We Collect
Information You Provide
We may obtain certain personal information (such as name and other contact details) through our Sites. Here are the most common types of information:
- Contact information (such as name, postal address, e-mail address, telephone number and fax number);
- Login and access credentials (such as username and password);
- Responses to online surveys; or
- Comments you submit through our Sites.
This information is actively provided to us by you on a voluntary basis. We offer visitors to our Sites various services, which we may change from time to time. We may ask you to submit certain personal information so we can provide you with these services.
Information Collected Automatically
When you visit our Sites, we and our third-party service providers collect information through automated technologies such as cookies, web server logs, and web beacons. We and our third-party service providers may combine this information with the personal information that we collect about you. A "cookie" is a file that Web sites send to a visitor's computer or other Internet-connected device to uniquely identify the visitor's browser or to store information or settings in the browser. Some cookies allow us to make it easier for you to navigate our Sites, while others are used to enable a faster log-in process or to allow us to track your activities at our Sites.
Most web browsers automatically accept cookies but, if you prefer, your browser may give you options to delete cookies or to block them in the future. The Help portion of the toolbar on most browsers will tell you how to prevent your computer from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Visitors to our Sites who disable cookies will be able to browse certain areas of the Sites, but some features may not function.
A "web beacon," also known as an Internet tag, pixel tag or clear GIF, links web pages to web servers and their cookies and may be used to transmit information collected through cookies back to a web server. The information collected using these tools may include your IP address, browser characteristics, operating system, the address of the web page that referred you to our Site, dates and times of Site visits, the language your system uses, and the country and time zone in which your device is located. These technologies permit the collection of "clickstream data," which may include a log of content you access while browsing a website.
On some of our Sites we use third-party web analytics services, such as Google Analytics. These services may rely upon technologies such as cookies, web server logs and web beacons to help us analyze how visitors reach and interact with our Sites. The information collected through these means (including IP address) is disclosed to or collected directly by these service providers, and may be combined with other information that they collect across unrelated websites and apps over time. In Google Analytics, we have enabled “Demographics and Interest Reports,” a Google Analytics Advertising Feature which collects data about web traffic via Google Advertising Cookies that were previously placed on your web browser. This Analytics Advertising Feature allows Google to give us aggregated information concerning visitor demographics, such as age and gender, along with information related to the interests visitors express through their online browsing and purchasing activities. If your Google account settings permit Google to use the information Google has collected about you to personalize advertisements, Google Analytics will use this information to identify other devices you use for advertising purposes. Please see the Cross Device Linking section and Third-party ad services section below for more information about these activities and the choices available to you. To opt out of Google Analytics, click here. To learn more about Google's additional collection and analysis of information by automated means, including how to opt out, click here.
Cross Device Linking
We and our third party service providers may use the information that we collect about you (whether directly from you from our Sites, through your device(s), or from a third party) to help us and our third-party service providers identify other devices that you use (e.g., a mobile phone, tablet, other computer, etc.). This is called cross-device linking. We and our third-party service providers also may use cross-device linking and other information we learn about you to serve targeted advertising on your devices and to send you emails. To opt out of cross-device linking for interest-based advertising purposes, you may follow the instructions set forth in the Third-Party Ad Services section below. Please note: if you opt out of these targeted advertising cookies, your opt out will be specific to the web browser or mobile device from which you accessed the opt out. If you use multiple devices or browsers, you will need to opt out each browser or device that you use.
Third-Party Ad Services
We do not currently respond to "do not track" signals sent by your browser or other mechanism.
Links to Other Web Sites, Features, and Embedded Content
For your convenience and information, our Sites may provide links to other Web sites or online services, including social media sites, or present content or features from other Web sites or other third parties. These Web sites may operate independently from Holyoke Credit Union. The Web sites may have their own privacy notices or policies, which we strongly suggest you review if you visit any linked Web site or pages containing content hosted by other Web sites. To the extent such Web sites are not owned or controlled by Holyoke Credit Union, we are not responsible for the Web site's content, any use of the Web site, or the privacy practices of the Web site.
The Sites may also include integrated social media tools or “plug-ins,” such as social networking tools offered by third parties. If you use these tools to share personal information or you otherwise interact with social media features on the Sites, those social media companies may collect information about you and may use and share such information in accordance with your account settings, including by sharing such information with the general public.
Security - Protect yourself from scams
Scammers use several different methods to try and lure you into giving them the personal financial information they require, to commit fraud and theft. These methods include seemingly "official" email messages, phone calls, and even text messages from your banking (as well as credit card) institutions, stating problems with your account in various ways, to create a sense of legitimacy and urgency for action.
The criminally fraudulent process of attempting to acquire sensitive information such as usernames, passwords and credit card details by masquerading as a trustworthy entity in an electronic communication, which is typically email.
The criminal practice of using social engineering over the telephone system, most often using features facilitated by Voice over IP (VoIP), to gain access to private personal and financial information from the public for the purpose of financial reward.
A form of criminal activity using social engineering techniques similar to phishing. The name is derived from "SMs phISHING". SMS (Short Message Service) is the technology used for text messages on cell phones.
Holyoke Credit Union will never ask for any sensitive information from their members in these ways, and we urge you to be suspicious of any e-mail, text message, or caller, asking you to "verify account information." If you ever have any doubts as to the validity of these communications, please keep the following points in mind:
- Never give out your personal financial information in response to an unsolicited phone call, text, fax or email, no matter how official it may seem.
- Do not respond to email that may warn of dire consequences unless you validate your information immediately. Contact Holyoke Credit Union to confirm the email's validity using a telephone number or Web address you know to be genuine.
- Check your credit card and bank account statements regularly and look for unauthorized transactions, even small ones. Some thieves hope small transactions will go unnoticed. Report discrepancies to Holyoke Credit Union immediately.
- When submitting financial information online, look for the padlock or key icon at the bottom of your Internet browser. Also, many secure Internet addresses, though not all, use "https" to signify that your information is secure during transmission.
- Report suspicious activity to the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center.
- If you have responded to a phone call, text, fax or email contact us immediately so we can protect your account and your identity.
Text Message Service
Holyoke Credit Union (“HCU”) offers to provide you with certain non-emergency, automated text messages sent to your mobile phone or device under the Telephone Consumer Protection Act. By indicating your consent to receive those services, you agree to the following terms:
You expressly authorize HCU to contact you via text message, sent to the cell phone number you have provided, for purposes that may include, but not be limited to, marketing/advertising, reporting fraud or suspicious activity on your account, communications about existing accounts and loans, money transfers, and notifications of late payments (the “Service”). You agree that HCU may use an automatic dialing system to send text messages at any number you have provided to HCU for this Service. You are not required to consent to the Service as a condition of purchasing any goods or other services from HCU.
- Your Representations.
By consenting to the Service, you represent that you are the owner of, or an authorized user of, the wireless device whose telephone number you have provided to subscribe to the Service. You represent that you are authorized to provide the cellular phone number or numbers you used to enroll in the Service.
HCU does not charge a fee for the Service. However, message and data rates of your wireless carrier may apply to messages sent to you by HCU, depending on your plan.
- Data Collection and Use.
Data obtained from you in connection with this Service may include your mobile phone number, your carrier’s name, and the date, time and content of your messages and other information that you may provide. We may use this information to contact you and to provide the services you request from us, and to otherwise operate, develop and improve the Service. We will not sell your information to any other party, except in the circumstance of a sale or merger that involves the transfer of substantially all of HCU’s assets. We reserve the right at all times to disclose any information as necessary to: (a) satisfy any law, regulation or governmental request; or (b) protect our rights or property.
- Messaging or Transmission Failures.
HCU is not responsible for any delays or failures in your receipt of any text messages.
- Geographic Limitations.
The Service is available only in the United States. You may not subscribe to the Service if you reside in any other country.
- Termination of Service.
HCU may suspend or terminate the Service at any time. You may opt out of the Service at any time by emailing email@example.com, writing to us at Holyoke Credit Union, 490 Westfield Road, Holyoke, MA 01040, or texting STOP when you receive an automated message.
- Governing Law; Jurisdiction.