Privacy


FACTS


WHAT DOES HIALEAH MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

 

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all of the 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 product or service you have with us. This information can include:

  • Social Security Number and income

  • Account balances and transaction / payment history

  • Credit history and credit scores

 

How?

All financial companies need to share members' information to run their everyday business. In the section below, we list reasons financial companies can share their members' personal information; the reasons HMEFCU chooses to share; and whether you can limit this sharing.

 

Reasons we can share your information

Does HMEFCU 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 product and services to you

NO

NO

For joint marketing with other financial companies

NO

NO

For our affiliates’ everyday business purposes -
information about your transactions and experiences

NO

NO

For our affiliates’ everyday business purposes -
information about your creditworthiness

NO

We don't share

For non-affiliates to market to you

YES

YES

 
To limit our sharing

Call (305) 883-8090

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.
 

Questions?

Call (305) 883-8090
 

Who we are

Who is providing this notice?

Hialeah Municipal Employees Federal Credit Union

 

What we do

How does HMEFCU 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 Hialeah Municipal Employees Federal Credit Union collect my personal information?

We collect your personal information, for example, Information we received from you on applications and other forms; Information about your transactions with us or others; Information obtained when verifying the information you provide, such as from current or past employers or other institutions where you conduct transactions; Information from your debit or credit card transactions, etc.

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

State laws and individual companies may give you additional rights limit sharing.

What happens when i limit sharing for an account I hold jointly with someone else?

The information is not shared, whether the decline is given by the member or the joint owner.

 

Definitions

Affiliates

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

HMEFCU does not have any Affiliates.

Nonaffiliates

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

HMEFCU shares with the following groups to provide additional services to you: CUNA Mutual Group, and FIS Card Services

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

 

Other important information

You can help by following these simple guidelines:

  • Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords.  Never keep your PIN with your debit or credit 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, explains the call is on behalf of the credit union and asks for your account number, you should beware!  Official credit union staff will have access to your information and will not need to ask you for it.
  • Keep your information current.  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. If your address or phone number changes, please let us know.

If you would like to opt-out, please let us know in person or by calling us at (305) 883-8090. We will need your account number(s) in order to process your opt-out request. If you have any questions regarding this notice, please call us at (305) 883-8090.