Privacy Policy
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 you 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 Income
- Account Balances and Payment History
- Credit History and Credit Score
How?
All financial companies need to share customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reasons Houston Belt & Terminal Federal Credit Union chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does HB&T FCU Share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus |
Yes | No |
| For our marketing purposes— to offer our products and services to you |
Yes | Yes |
| For joint marketing with other financial companies | No | N/A |
| For our affiliates’ everyday business purposes— information about your transactions and experiences |
Yes | No |
| For our affiliates’ everyday business purposes— information about your creditworthiness |
Yes | No |
| For nonaffiliates to market to you | No | N/A |
| To limit our sharing | Call: 281-548-3377 Visit us online: www.hbtfcu.com |
| Questions? | Call: 281-548-3377 Visit us online: www.hbtfcu.com |
Who we are
| Who is providing this notice? | Houston Belt & Terminal Federal Credit Union |
What we do
| How does HB&T FCU 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 HB&T FCU collect my personal information? | We collect your account information, for example, when you – Open an account or deposit money. – Apply for a loan or use your debit card. – Provide us information on any online application or transaction. We also collect your personal information from others, including credit bureaus, affiliate 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 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 companies that together market financial or services to you. |