FACTS What Does the HTM Credit Union Do with your personal information?
Why? Financial companies choose how they share your information. Federal law gives members 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 products or services you have with us. This information can include:

  • Social Security Number and Income
  • Account Balances and payment history
  • Account transactions and checking account information
How? All financial companies need to share members personal information to run their everyday business.

In the selection below, we list the reasons financial companies can share their members personal information; the reasons HTM Credit Union chooses to share, and weather you can limit this sharing.
Reasons we can share your personal information Does We Share? Can you limit 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 institutions YES NO
For our affiliates’ everyday business purposes – information about your transactions and experiences YES NO
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
Who we are
Who is providing this notice? HTM Credit Union
What we do
How does HTM 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 restrict access to nonpublic information about you to persons who need to know that personal information to provide products or services to you.
How does HTM 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 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
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.
Non-­affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint Marketing

A formal agreement between non-­affiliated financial companies that together market financial products or services to you.
Questions? Call (978)374-7386 or go to www.htmcreditunion.com

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