Privacy Policy
 
FACTS  -  WHAT DOES HEALTH SYSTEMS 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 sharing.  Federal law also requires us to tell your 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 Name                             *  Address and Date of birth
                 When you are no longer our customer, we continue to share your information as described in this notice. 
HOW?       All financial companies need to share members' personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their members' personal information; the reasons Health Systems Credit Union chooses to share; and whether you can limit this sharing.
 
Reasons we can share your personal information:     Does HSCU share?                  Can you limit this sharing?
For everyday business purposes  -
such as to process transactions, maintain your
account(s), respond to court orders and legal
investigations, or report to credti bureaus                      YES                                         NO
 
For our marketing purposes -
to offer our products and services to you                        YES                                         NO
 
For joint marketing with other financial companies         NO                                          NO
 
For our affiliates' everyday business purposes -
information about your transactions and experiences      NO                                          YES
 
For our affiliates' everyday business purposes  -
information about your creditworthiness                          NO                                          YES
 
For nonaffiliates to market to you                                    NO                                          YES
 
QUESTIONS?  Call 865-545-8165 or go to www.healthsystemscu.com 
 
WHO WE ARE
Who is providing this notice?                           Health Systems Credit Union
 
WHAT WE DO?
How does HSCU protect my 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 HSCU collect my personal
information?                                                  We collect your personal information, for example, when you
                                                                      open and account or apply for a loan or other service
                                                                      send us an email or sign up for online service
 
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
                                                                      *affiliate 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 to limit sharing.
DEFINITIONS
Affiliates  -  companies related by common ownership or control.  They can be financial and nonfinancial companies.
Nonaffiliates  -  companies not related by common ownership or control.  They can be financial and nonfinancial companies.
Joint marketing  -  a formal agreement between nonaffiliated financial companies that together market financial products or services to you.
OTHER IMPORTANT INFORMATION
Disclaimer:  This policy does not address every possible contingency and circumstance, it is intended to provide guidance to HSCU management and members and is not intended to create enforceable legal rights in any individual.  HSCU does not bear any responsibility for any actions or policies of third party's affiliates or non-affiliates.  HSCU's Board of Directors may authorize exceptions to this policy.  HSCU reserves the right to change this polciy at any time, with or without notice.
 
 
We do business in accordance
with the Federal Fair Housing
Law and the Equal Credit
Opportunity Act.
Your Savings Federally insured to at least $250,000
and backed by the National Credit Union
Administration, a U.S. Government Agency.
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Disclosures
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