Privacy Policy

Overview

Hoosier Farm Bureau Credit Union (HFBCU) is committed to protecting our members’ privacy.  It is the policy of HFBCU to hold member information in confidence, subject to applicable legal requirements and standards. HFBCU does not sell member information to non-affiliated third parties.

Accuracy of Information
HFBCU will take reasonable precautions to protect the accuracy and reliability of your member information; however, you are responsible for updating your member record from time to time in order to assure its accuracy. HFBCU will respond to your requests to update information on your account as quickly as possible.

 Internal Procedures
As part of our commitment to protect the confidentiality of your account information, HFBCU employees are informed of their responsibility to protect confidential member information and are bound by this Privacy Policy. Staff may access your account information only when necessary for business reasons.  HFBCU has also established appropriate security standards to protect against unauthorized access to member information.

 When Information may be shared

HFBCU only shares information for legitimate business reasons, with the ultimate goal of bringing you greater convenience and more choices. HFBCU shares member information with its affiliates and certain vendors with whom it has a contractual relationship to provide specific products and services such as insurance services, credit cards and account statements.  These are frequently requested services that HFBCU would not otherwise be able to provide.  These vendors are prohibited from using member information for any purpose other than that for which they have been contracted.

 Personal financial information such as your account balance or loan information may be shared under the following circumstances.

 (1) When such disclosure is in compliance with the law, government agencies or court orders, (2) when a third party is verifying the existence or condition of your account in accordance with applicable law, (3) when necessary to complete a transaction, (4) to protect secured assets or the assets of HFBCU, (5) when you give us your written permission, (6) to share our experience with you to consumer reporting agencies, such as the credit bureaus.

 Non-Disclosure of Information to Affiliates
As a member at HFBCU, you can be confident that the confidentiality of account information is the rule, not the exception. Although information collected in conjunction with a member’s account remains the property of HFBCU, members may choose to be excluded from receiving certain marketing materials.

 Members may choose to “opt out” of receiving offers of goods or services by direct mail, e-mail or telemarketing. Members who “opt out” will continue to receive offers included in member statements.  Please note members may not  “opt out” of information sharing for non-marketing purposes, as described in this policy.

 If you wish to “opt out” of receiving offers of goods or services by direct mail, e-mail or telemarketing, please put your request in writing and send it to:

 Hoosier Farm Bureau Credit Union

P.O. Box 1250

Indianapolis, In 46206

Attn: Marketing Department

 Your request must include your account numbers, and should be signed. One account owner’s request will be considered binding for the purposes of opting out, or opting back into HFBCU’s affiliate programs.

 Opting out of HFBCU’s affiliate program will not eliminate information or solicitations from outside sources. If you would like to reduce the amount of advertising you receive from other companies, contact the Direct Marketing Association and have your name added to the Association’s Mail Preference Service list of consumers who do not wish to be contacted by mail or via telephone for marketing purposes. Remember to include your name, address, and telephone number in your written request. Also provide all spellings and possible variations of your name, as well as the names of other persons living at your address Mail Preference Service

C/o Direct Mail Marketing Association

P.O. Box 9008

Farmingdale, NY 11735-9008

will retain your information for five years. At the end of that time, you will again have to submit your request to have your name added to the no-contact list.

Obtaining information from affiliates
HFBCU may purchase consumer information from reputable companies to assist us in our marketing efforts.  Upon request, HFBCU will provide the source of this information to interested parties.
 

Privacy on the Internet
HFBCU uses firewalls that are designed to protect your accounts from authorized access from outside the credit union.  HFBCU uses a cryptographic (digital certificate) key to secure account information sent between our server and your browser.  Whenever you use HFBCU Online Home Banking our server responds to your transmission by sending this key that is authenticated by your browser.  This communication key encrypts the data sent by you and HFBCU decrypts it when we receive it. 

Our Web Site contains links to other sites.  HFBCU is not responsible for the privacy practices or the content of such Web Sites.

Availability of Policy
HFBCU is proud of its commitment to member confidentiality, and will make this policy available to any consumer requesting it. HFBCU will also post the policy on its Internet home page. 

Disclaimer
This policy does not address every possible contingency and circumstance, it is intended to provide guidance to HFBCU management and members and is not intended to create enforceable legal rights in any individual.  HFBCU does not bear any responsibility for any actions or policies of third parties affiliates or non-affiliates.  HFBCU CEO, Board of directors and Chairman of the Supervisory Committee may authorize exceptions to this policy.  HFBCU reserves the right to change this policy at any time, with or with out notice. 

Complaints
Because of HFBCU’s high commitment to confidentiality of member information, complaints relating to this policy, or HFBCU’s perceived non-compliance with the policy, should be forwarded directly to HFBCU’s Chief Executive Officer or to a member of HFBCU’s Supervisory Committee for prompt consideration.

HFBCU’s CEO can be reached by calling HFBCU: (317) 692-7607.  Correspondence directed to HFBCU’s Supervisory Committee should be addressed to:

Supervisory Committee
Hoosier Farm Bureau Credit Union
PO Box 1250
Indianapolis, In 46206