Heritage Valley Federal Credit Union, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to display our privacy notice on our website. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

Privacy Policy

If after reading this notice you have questions, please contact us at:

We collect non-public, personal information about you from the following sources.

• Information we receive from applications and other forms
• Information about your transactions with us
• Information we receive from a consumer reporting agency
• Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions

We may disclose all of the information we collect, as described above, as permitted by law.

We may disclose nonpublic personal information about you to the following types of third parties:

• Financial service providers, such as insurance companies
• Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers, plastic card processors, and government agencies.

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Heritage Valley Federal Credit Union recognizes the importance of maintaining a web site for informational and e-commerce purposes in both attracting new members and retaining existing members. For the purpose of this statement, e-commerce is defined as the ability of members to securely access personal account information and general credit union information, to initiate transactions on your Electronic Bill Payer Account and to apply for additional credit union products and services, and to access credit union approved vendor sites. Heritage Valley Federal Credit Union is not responsible for the privacy practices or the content of those sites. Please refer to the privacy policy statement on those sites for further information. Our credit union will collect only the personal information necessary to conduct our business. We may gather information such as the number of hits to the site, page visits, and length of user sessions and the Internet domain and IP address from which you access our web site. Heritage Valley Federal Credit Union does not collect cookies. Please be assured that our privacy policy is the same whether you are online or not.

If you terminate your membership with Heritage Valley Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Heritage Valley Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks you for your account number, you should beware. Heritage Valley Federal Credit Union staff will have access to your information and will not need to ask for it.
• Keep your information with us current. If your address or telephone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
• Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!