Notices & Disclosures
Privacy Policy
Privacy Notice
Hawaiian Electric Employees Federal Credit Union is owned by its members and run by the 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.
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered in agreements with other companies that provide either services to us or additional financial products for you to consider.
Under these arrangements, we may disclose all of the information we collect, as described to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.
Information We Collect and Disclose About You
We collect and may disclose all nonpublic personal information about you from the following sources:
· Information we receive from you on membership and loan applications and other forms.
· Information about your transactions with us, our affiliates, or others.
· Information we receive from a consumer reporting agency.
· Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.
We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial needs. If you terminate your membership with Hawaiian Electric Employees Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.
How To Opt Out or Stop Certain Disclosures About You
If you prefer that we do not disclose nonpublic personal information about you to other third parties (other than those permitted by law) you should call us at the credit union at (808) 451-3693.
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.
Mobile Privacy Policy
This privacy policy applies to the Hawaiian Electric EFCU app (hereby referred to as "Application") for mobile devices that was created by Hawaiian Electric Employees FCU (hereby referred to as "Service Provider") as a Free service. This service is intended for use "AS IS".
Information Collection and Use
The Application collects information when you download and use it. This information may include information such as
· Your device's Internet Protocol address (e.g. IP address)
· The pages of the Application that you visit, the time and date of your visit, the time spent on those pages
· The time spent on the Application
· The operating system you use on your mobile device
The Application collects your device's location, which helps the Service Provider determine your approximate geographical location and make use of in below ways:
· Geolocation Services: The Service Provider utilizes location data to provide features such as personalized content, relevant recommendations, and location-based services.
· Analytics and Improvements: Aggregated and anonymized location data helps the Service Provider to analyze user behavior, identify trends, and improve the overall performance and functionality of the Application.
· Third-Party Services: Periodically, the Service Provider may transmit anonymized location data to external services. These services assist them in enhancing the Application and optimizing their offerings.
The Service Provider may use the information you provided to contact you from time to time to provide you with important information, required notices and marketing promotions.
For a better experience, while using the Application, the Service Provider may require you to provide us with certain personally identifiable information, including but not limited to Contacts, Financial Info, Name Email, User ID, Address, Phone Number, Messages. The information that the Service Provider requests will be retained by them and used as described in this privacy policy.
Third Party Access
Only aggregated, anonymized data is periodically transmitted to external services to aid the Service Provider in improving the Application and their service. The Service Provider may share your information with third parties in the ways that are described in this privacy statement.
Please note that the Application utilizes third-party services that have their own Privacy Policy about handling data. Below are the links to the Privacy Policy of the third-party service providers used by the Application:
The Service Provider may disclose User Provided and Automatically Collected Information:
· as required by law, such as to comply with a subpoena, or similar legal process;
· when they believe in good faith that disclosure is necessary to protect their rights, protect your safety or the safety of others, investigate fraud, or respond to a government request;
· with their trusted services providers who work on their behalf, do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this privacy statement.
Opt-Out Rights
You can stop all collection of information by the Application easily by uninstalling it. You may use the standard uninstall processes as may be available as part of your mobile device or via the mobile application marketplace or network.
Data Retention Policy
The Service Provider will retain User Provided data for as long as you use the Application and for a reasonable time thereafter. If you'd like them to delete User Provided Data that you have provided via the Application, please contact them at crunion@hecoefcu.org and they will respond in a reasonable time.
Children
The Service Provider does not use the Application to knowingly solicit data from or market to children under the age of 13.
The Application does not address anyone under the age of 13. The Service Provider does not knowingly collect personally identifiable information from children under 13 years of age. In the case the Service Provider discover that a child under 13 has provided personal information, the Service Provider will immediately delete this from their servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact the Service Provider (crunion@hecoefcu.org) so that they will be able to take the necessary actions.
Security
The Service Provider is concerned about safeguarding the confidentiality of your information. The Service Provider provides physical, electronic, and procedural safeguards to protect information the Service Provider processes and maintains.
Changes
This Privacy Policy may be updated from time to time for any reason. The Service Provider will notify you of any changes to the Privacy Policy by updating this page with the new Privacy Policy. You are advised to consult this Privacy Policy regularly for any changes, as continued use is deemed approval of all changes.
This privacy policy is effective as of 06/19/2024.
Your Consent
By using the Application, you are consenting to the processing of your information as set forth in this Privacy Policy now and as amended by us.
Contact Us
If you have any questions regarding privacy while using the Application, or have questions about the practices, please contact the Service Provider via email at crunion@hecoefcu.org.
USA Patriot Act of 2001
In order to open or change an account, add a signer, or make an application for any services Federal Law (USA Patriot Act of 2001) now requires us to obtain and retain photo identification for identity verification purposes.
Important Information about Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means to you:
When you open an account, you will be required to provide your name, physical address, date of birth, social security number and other information that will allow us to identify you. We may then verify the information that you provided in your application with a consumer reporting agencies such as Equifax and/or ChexSystems.
Accessibility
Hawaiian Electric Employees Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with the WCAG 2.0 standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other assistive technology and are encountering problems using this website, please contact us. All products and services available on this website are available at Hawaiian Electric Employees Federal Credit Union locations.
If you encounter any issues with any feature of this website, please contact us to assist you:
By phone at (808) 451-3693
By email at crunion@hecoefcu.org
Electronic mail is not secure, and confidential or personal information should not be communicated in this manner.