privacy policy

data privacy

Heartland Credit Union is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a Heartland financial consultant at 651- 451-5160 or toll-free 1-800-813-9185.

We are committed to providing you with competitive products and services to meet your financial needs, which makes it necessary for us to share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide services to us or additional financial products for you to consider.

Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf, or to other financial institutions with whom we have joint marketing agreements. To protect your privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of the information we provide. We do not permit these companies to sell to other third parties the information we provide to them.

information we collect and disclose
We collect the following nonpublic personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:

■ From membership and loan applications and other forms, we obtain information such as name, address, social security number and income.

■ From your transactions with us or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history, parties to transactions, and credit card usage.

■ From consumer reporting agencies, we obtain information such as your creditworthiness and credit history.

■ From verifications of information you provide on applications and other forms, we obtain information from current or past employers, other financial institutions and other sources listed on the application.

We may also disclose information we collect about you under other 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.

If you terminate your Heartland membership, we will not share information we have collected about you, except as permitted or required by law.

how we protect your information 
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

third party disclaimer
This website contains links to other websites that are not owned or operated by Heartland. We are not responsible for the content of their site. Privacy and security policies may differ from those of the Credit Union.

online privacy
Heartland is committed to protecting the privacy of our members. In general, you can visit us on the Internet without disclosing to us who you are or revealing any information about yourself. If you contact us to inquire about any of our services, either by using our email service or by filling out an online application for any of our services, we will collect information about you which is necessary to process your service request. We want you to know how we will handle that information.

■ If you visit our website, Heartland will collect and store information on the domain you use to access it, the Internet address from which you lined directly to our site, and the date and time of your visit. This information is used to measure the number of visitors to the various pages on our site to better serve our membership.

■ If you email us via our email address, we will use the information you provide willingly in your email to process your service request.

■ If you apply for membership, or fill out an on-line application for any one of our services, we will use the information you provide willingly on any or all of our online applications to process your service request.

It is our policy to treat any information collected about you through your use of this site as strictly confidential. Our staff will have access to the information provided by you, but we will not share any information provided by any of our members with any third party. If you link to another site from any of our pages, you are leaving our site pages and Heartland can not be held responsible for any information that may be gathered at a linked site. If you have questions about this policy, please call 651-451-5160 or 1-800-813-9185.

disclaimer 
This website is provided by Heartland to furnish our members with information about credit union programs and services. All information presented is believed to be accurate, however, accuracy cannot be guaranteed. This website is not intended to render accounting, tax, legal, or other professional advice or services.