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Privacy Policy
Hughes Federal Credit Union is member-owned and governed by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at (520) 794-8341.
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you with our affiliated third-party financial service providers that provide data processing and trust services. We may also disclose information about you under other circumstances as permitted or required by law. These disclosures typically include information to follow your instructions as you authorize, to conduct the operations of the credit union, or to protect the security of our financial records.
To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality and limit the use of information that we provide. We do not permit these companies to sell information to other third parties.
Information We Collect and Disclose About You
We collect the following information about you from a variety of sources and may disclose this information to our affiliated companies or to other financial institutions with which we have joint marketing agreement(s):
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From membership and loan applications and other forms, we obtain information such as your name, address, Social Security number and income.
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From your transactions with our affiliates and us we obtain information such as your account balances, payment history, parties to transactions, and credit card usage.
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From consumer reporting agencies we obtain information such as your creditworthiness and credit history.
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From verification of information you provide on applications and other forms we obtain information from current or past employers, other financial institutions, and other sources listed on the application.
If you terminate your membership with Hughes Federal Credit Union, we will not share information we have collected about you, except as permitted by law.
Fair Credit Reporting Act Disclosure
In this notice, we are required to also advise you of our disclosure policy under the Fair Credit Reporting Act. The Fair Credit Reporting Act governs the sharing of information that may impact you for certain purposes such as credit, collections, and insurance. We learn information about you from our experiences with you and from information provided by others such as through credit reports. The Fair Credit Reporting Act also permits us to share information with others information we learn about you from our experiences with you, including our affiliate(s) and credit reporting agencies. The Fair Credit Reporting Act also permits us to share information we learn about you from others unless you direct us otherwise. If we elect to share information about you that we learn from others for a purpose under the Fair Credit Reporting Act, we will give you a separate notice of our intention to do so and the right to direct us not to share the information.
How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.
It is Hughes Federal Credit Union's policy to protect our member's information by disposing of the unneeded documentation by shredding.
Web site Terms and Conditions
Hughes Federal Credit Union maintains this Web site to provide you with information about Hughes Federal Credit Union products and services and to facilitate communication with Hughes Federal Credit Union. Hughes Federal Credit Union requires that all visitors to our Web site(s) on the Internet (the "Site") adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgement and acceptance of these Terms and Conditions. From time to time Hughes Federal Credit Union may revise these Terms and Conditions.
Copyright in these pages, screens, text, and images appearing on this Site is owned by Hughes Federal Credit Union or others indicated. The information and materials contained in the Site may not be copied, displayed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work, or otherwise used for public or commercial purposes without the express permission of Hughes Federal Credit Union.
Some or all of the products or services described on the Site may not be available in all geographic areas. You may not be eligible for all the products or services described. Hughes Federal Credit Union reserves the right to determine the eligibility for any product or service. Investment products (i) are not Credit Union deposits and are not insured by the NCUA , (ii) are not guaranteed by Hughes Federal Credit Union, and (iii) are subject to substantial risk, including the possible loss of some or all of the principal invested.
Any communication or material you transmit to us via the Site or Internet electronic mail is on a non-confidential basis and may be used by the Credit Union for any purpose within the limits of our privacy statement including reproduction, publication, broadcast, and posting.
We will use our best efforts to include accurate and up to date information on the Site, but we make no warranties or representations as to the accuracy if the information. You agree that all access and use of the Site and its contents is at your own risk. By using the Site, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability, or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your access to or use of the Site, (even if we have been advised of the possibility of such damages) including liability associated with any viruses which may infect a computer’s equipment.
With regard to our services or products purchased or obtained by the user from a non-Hughes Federal Credit union person or entity, Hughes Federal Credit union makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such services and products and Hughes Federal Credit Union specifically disclaims all other warranties with regard to sold services and products.
You agree that use of this Site shall be governed by all applicable Federal laws and the laws of the state of Arizona and agree that the venue shall be located in Tucson, Arizona.
Children’s Online Privacy Protection Act (COPPA)
(COPPA) for Howie Javelina All Stars Club website pages
Hughes Federal Credit Union (Hughes) provides the Youth & Kids Club section of its website for the convenience and education of the children of its members. We encourage parents or guardians to monitor children under 13 when children are online and to participate in any interactive activities offered on the website.
Hughes is committed to protecting the online privacy of the children who visit its website and to complying with the Children’s Online Privacy Protection Act of 1998. COPPA prohibits unfair or deceptive acts or practices in connection with the collection, use or disclosure of personally identifiable information from and about children on the Internet.
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Personal information – Hughes does not collect or use underage members’ personal information through this website.
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Site traffic records – Hughes collects information on domain names and dates and times of visits to www.hughesfcu.org. This information includes no personal identifiers and allows Hughes to record website traffic to improve navigation and content.
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Cookies – www.hughesfcu.org does not require the use of per-session cookies. Cookie information is never sold, given or disclosed to third parties.
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Email – Hughes may use feedback information from readers to respond to inquiries, comments or suggestions when emails are initiated by the visitor to the Credit Union website. Email information is never sold, given or disclosed to third parties.
Hughes Youth & Money pages may include links to the external websites of others, including educational information, amusement parks, area attractions and merchants that provide products for children. These external sites are not part of Hughes Federal Credit Union’s services, are not under our control, and may not comply with applicable law. Because these external websites may have privacy policies that are different than Hughes, please consult the privacy policies of any website that asks for personally identifiable information before providing it.
For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC web site, www.ftc.gov.
Links
This Web site contains links to other Web sites for products or services that Hughes Federal Credit Union believes may be of interest to its membership. Hughes Federal Credit Union is not responsible for the privacy practices or the content of these sites. In addition, Hughes Federal Credit Union makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such products or services and disclaims all other warranties with regard to said products or services.
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