Privacy Policies, Security & Text Messaging
What Does Holyoke Credit Union Do With Your Personal Information?
Financial companies choose how they share your personal information. Federal law gives consumers 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.
The type of personal information we collect and share depends on the product or service you have with us. This information can include:
- Social Security Number and Income
- Account Balances and Transaction or Loss History
- Credit History and Payment History
All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share personal information; the reasons Holyoke Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information:
|Does Holyoke Credit Union share?||Can you limit this sharing?|
|For our everyday business purposes – such as processing your transactions, maintaining your account(s), responding to court orders and/or legal investigations, or reporting 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 companies||Yes||Yes|
|For our affiliates’ everyday business purposes – information about your transactions and experiences||No||We don't share|
|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|
To limit our sharing:
Call (413) 532-7007. Our menu will prompt you through your choices(s).
Or visit us online at Have a Question/Comment?
Please note: If you are a new Holyoke Credit Union member, we can begin sharing your information 30 days from the date we notify you of our sharing information. When you are no longer a member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Call (413) 532-7007 or go visit online at Have a Question/Comment?
Who we are:
Who is providing this notice? Holyoke Credit Union
What we do:
How does Holyoke 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.
How does Holyoke Credit Union collect my personal information?
We collect your personal information, for example, when you:
- Open an account or make deposits or withdrawals
- Apply for a loan or give us your income information
- Show us your driver's license
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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Affiliates – Companies related by common ownership or control. They can be financial and non-financial companies.
- Holyoke Credit Union has no affiliates.
Non-affiliates – Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Holyoke Credit Union does not share with non-affiliates so they can market to you.
Joint marketing – A formal agreement between nonaffiliated financial companies that jointly market financial products or services to you.
- Our Joint Marketing Partners may include insurance companies such as CUNA Mutual Insurance.
Other important information
For Massachusetts members: We will not share personal information from deposit or share relationships with non-affiliates for the purpose of either marketing to you or joint marketing without your authorization.
We adhere to Massachusetts Data Protection Law, regulation 201 CMR 17.00: Standards for the Protection of Personal Information of Residents of the Commonwealth.
Our Online Privacy Practices
Keeping financial and personal information secure is one of our most important responsibilities. Holyoke Credit Union is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.
To ensure information remains confidential, Holyoke Credit Union uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.
Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number or PIN numbers. We also ask that you do not send personal or account Information through regular email.
Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the site and to assist us with resolving questions regarding the site. We also utilize cookies for advertising purposes. Tracking technologies also used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.
Linking to Other Sites
To provide you with easy access to information, Holyoke Credit Union may provide links to other websites such as mortgage companies, insurance companies, government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and Holyoke Credit Union does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by Holyoke Credit Union. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.
Many websites and apps use Google services to improve their content. When they integrate Google services, these sites and apps share information with Google. We use Google Analytics to better understand how users are visiting and using our sites. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at google.com/policies/privacy/partners/.
HCU Mobile APP
HCU’s Mobile App’s periodically collects, transmits, and uses geolocation information for enabling features such as, but not limited to, card use and alerts to prevent fraudulent activates, but only if the end user expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the feature(s) are being used or not at all, depending on the end user’s selection. The end user can change his/her/their location permissions at any time in their device settings.
Security - Protect yourself from scams
Scammers use several different methods to try and lure you into giving them the personal financial information they require, to commit fraud and theft. These methods include seemingly "official" email messages, phone calls, and even text messages from your banking (as well as credit card) institutions, stating problems with your account in various ways, to create a sense of legitimacy and urgency for action.
The criminally fraudulent process of attempting to acquire sensitive information such as usernames, passwords and credit card details by masquerading as a trustworthy entity in an electronic communication, which is typically email.
The criminal practice of using social engineering over the telephone system, most often using features facilitated by Voice over IP (VoIP), to gain access to private personal and financial information from the public for the purpose of financial reward.
A form of criminal activity using social engineering techniques similar to phishing. The name is derived from "SMs phISHING". SMS (Short Message Service) is the technology used for text messages on cell phones.
Holyoke Credit Union will never ask for any sensitive information from their members in these ways, and we urge you to be suspicious of any e-mail, text message, or caller, asking you to "verify account information." If you ever have any doubts as to the validity of these communications, please keep the following points in mind:
- Never give out your personal financial information in response to an unsolicited phone call, text, fax or email, no matter how official it may seem.
- Do not respond to email that may warn of dire consequences unless you validate your information immediately. Contact Holyoke Credit Union to confirm the email's validity using a telephone number or Web address you know to be genuine.
- Check your credit card and bank account statements regularly and look for unauthorized transactions, even small ones. Some thieves hope small transactions will go unnoticed. Report discrepancies to Holyoke Credit Union immediately.
- When submitting financial information online, look for the padlock or key icon at the bottom of your Internet browser. Also, many secure Internet addresses, though not all, use "https" to signify that your information is secure during transmission.
- Report suspicious activity to the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center.
- If you have responded to a phone call, text, fax or email contact us immediately so we can protect your account and your identity.
Text Message Service
Holyoke Credit Union (“HCU”) offers to provide you with certain non-emergency, automated text messages sent to your mobile phone or device under the Telephone Consumer Protection Act. By indicating your consent to receive those services, you agree to the following terms:
You expressly authorize HCU to contact you via text message, sent to the cell phone number you have provided, for purposes that may include, but not be limited to, marketing/advertising, reporting fraud or suspicious activity on your account, communications about existing accounts and loans, money transfers, and notifications of late payments (the “Service”). You agree that HCU may use an automatic dialing system to send text messages at any number you have provided to HCU for this Service. You are not required to consent to the Service as a condition of purchasing any goods or other services from HCU.
- Your Representations.
By consenting to the Service, you represent that you are the owner of, or an authorized user of, the wireless device whose telephone number you have provided to subscribe to the Service. You represent that you are authorized to provide the cellular phone number or numbers you used to enroll in the Service.
HCU does not charge a fee for the Service. However, message and data rates of your wireless carrier may apply to messages sent to you by HCU, depending on your plan.
- Data Collection and Use.
Data obtained from you in connection with this Service may include your mobile phone number, your carrier’s name, and the date, time and content of your messages and other information that you may provide. We may use this information to contact you and to provide the services you request from us, and to otherwise operate, develop and improve the Service. We will not sell your information to any other party, except in the circumstance of a sale or merger that involves the transfer of substantially all of HCU’s assets. We reserve the right at all times to disclose any information as necessary to: (a) satisfy any law, regulation or governmental request; or (b) protect our rights or property.
- Messaging or Transmission Failures.
HCU is not responsible for any delays or failures in your receipt of any text messages.
- Geographic Limitations.
The Service is available only in the United States. You may not subscribe to the Service if you reside in any other country.
- Termination of Service.
HCU may suspend or terminate the Service at any time. You may opt out of the Service at any time by emailing firstname.lastname@example.org, writing to us at Holyoke Credit Union, 490 Westfield Road, Holyoke, MA 01040, or texting STOP when you receive an automated message.
- Governing Law; Jurisdiction.