Privacy Policy

At Heinz - Del Monte Federal Credit Union, your privacy is a top priority. This notice describes how we protect the privacy of your personal information and gives you an opportunity to let us know if you do not want certain information about you disclosed to other parties. Throughout this notice, the word "information' refers to personal information about you that may not be publicly available.

Information that we Collect and Disclose to Others

We collect information about you from the following sources:

• Applications and other forms you submit to us.
• Information about your transactions with us.
• Information about your transactions with others.
• Consumer reporting agencies.
• Automated Teller Machines (ATM's) operated by us.
• Credit Card & Debit Card transactions.
• Information collected via an Internet "Cookie".

We may disclose all of the information that we collect as described above.

Parties to Whom We Disclose the Information

We may disclose information about you to the following types of third parties:

• Financial service providers, such as those that provide Mortgage Securities, Credit Card, Debit Card and Insurance Services.
• Non-financial companies such as Marketing Companies, to promote the CU's products and services as long as the 3rd party cannot initiate charges to the member accounts.

We may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may also disclose information about you under other circumstances, as permitted or required by law.

How We Protect Your Information

We restrict access to information about you to employees and committee members who need to know that information to provide products or services to you. Management and the Supervisory Committee are responsible for the oversight of our Privacy Policy We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your information.

How to Opt out of Certain Disclosures of Information About You

If you prefer that we do not disclose information about you to parties that are not affiliated with the credit onion, you my "opt out" of these disclosures. That is, you may direct us not to make those disclosures. This "opt out" will not apply to disclosures that are permitted by law and will not apply to disclosures to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. If you wish to "opt out" of disclosures to parties that are not affiliated with the credit union, you may send a letter to the Heinz - Del Monte Federal Credit Union requesting to "opt out" of having your information disclosed to 3rd parties not required by law.

Customer Identification Program

As required by the USA Patriot Act of 2001, which requires Heinz - Del Monte Federal Credit Union to help the government fight the funding of terrorism and money laundering activities, Heinz - Del Monte Federal Credit Union must obtain basic identifying information from you and verify that information when you open a new account.

This means Heinz - Del Monte Federal Credit Union staff will ask you for some basic information such as your name, address, date of birth and other information designed to help us identify you. Heinz - Del Monte Federal Credit Union staff may also ask to see documents identifying you too such as a driver's license, passport or some other government-issued document. Heinz - Del Monte Federal Credit Union appreciates your patience and understanding as we all do our part in complying with the new account identification procedures required by the Federal USA Patriot Act of 2001.

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