Resources

Online Security

We use the following security features to protect your account when you use ehccu-online banking and ehccupay-bill payment & presentment. First, your account is protected by your PIN, which you must enter to access your account information. In addition, your account is also protected by Multi-Factor Authentication to ensure secure user authentication for online transactions.

Second, we require a web browser that supports Secure Sockets Layer (SSL) protocol. SSL protocol provides for secure communication between you and Heritage Community Credit Union by allowing mutual authentication and encryption for privacy, ensuring that your information is kept confidential.

• You Have the Power to Stop Identity Theft Brochure (NCUA, 12/08)
• Enhanced Login Security
• "Phishing Attacks" - Email Security Information
• 128-Bit Encryption

Privacy Notice
Important Information About Your Financial Privacy

Heritage Community Credit Union understands the importance of protecting the privacy of our members. As such, we are committed to maintaining the confidentiality of each member�s financial records consistent with state and federal laws. This notice explains how the Credit Union collects and shares your �nonpublic personal information� (personal information that is not available publicly) and further describes your rights to limit what information we may share about you.

This privacy notice replaces any previous privacy notices from us. We reserve the right to revise our privacy notice as our business needs and practices change or as the law requires. If we revise our policies, we will provide our active members with copies of our new policies at that time. View our Important Privacy Choices for Consumers Brochure.

Information We Collect and Share to Conduct Our Business

During the course of business, we collect nonpublic personal information (�information�) about you from the following sources:

• Information that you provide to us in person, in writing, or through the Internet.
• Information obtained through your transactions and experiences with us and our affiliates.
• Information we receive from nonaffiliated third parties about their transactions and experiences with you.
• Information provided by credit reporting agencies and similar companies.

We collect this information about you to complete your transactions and to maintain your accounts and related records. In the course of conducting our business, we may share any of the information we collect about you with third parties if: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a third party providing services to us, such as data processing, printing services, mailing services, and marketing services; 4) the information is provided to a consumer reporting agency in accordance with the Fair Credit Reporting Act; or 5) the disclosure is otherwise lawfully required or permitted. Furthermore, we may also disclose information about you to other nonaffiliated and affiliated third parties not described in this notice as permitted by law.

Information Shared Within the Credit Union

We restrict access to your information to those employees who need to know that information to provide products or services to you. Our employees may also access your information to exercise our rights under the law or pursuant to any agreement with you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your information.

Information Shared with Non-Financial Service Providers

We sometimes share any of the information we collect about you with outside companies that perform services for us. For example, to maintain and service your accounts or to fulfill your transaction requests, we share information with non-financial companies that provide services to us, such as data-processing companies, printing companies, mailing companies, and marketing companies. Prior to sharing any information with such entities, we require them to agree to safeguard our members� information and to comply with all applicable privacy laws.

Information Shared with Financial Service Providers

In addition, to offer you a wider array of financial products and services, we may enter into joint marketing agreements with other financial institutions such as banks and insurance agents. We never give these financial institutions your account numbers. Prior to sharing any information with such entities, we require them to agree to safeguard our members� information and to comply with all applicable privacy laws. However, if you do not wish for us to share any of your information under these joint marketing arrangements, you have the right to opt-out of such information-sharing as explained below in the section entitled "Your Right to Opt-out."

Accuracy of Information

We make every effort to ensure that our records contain accurate, current, and complete information. If you find that your account information is inaccurate, please call us at 916.364.1700 or 800.233.6328, or write to us a P.O. Box 790, Rancho Cordova, CA 95741-0790. We will promptly investigate and make any necessary changes to update our records.

Information Sharing in the Event of Termination of Membership

If you terminate your membership or become an inactive member, we will adhere to the privacy policies and practices as described in this notice.

Contacting the Website

If you have any questions about these privacy and security statements, the practices of this site, or your interactions with this website, you can contact us by email at hccu@heritageccu.com or write to us at: P.O. Box 790, Rancho Cordova, CA 95741-0790.

Your Right to Opt-out

We understand that there are certain third parties with whom you do not wish for us to share your information. If you do not wish for us to share your information with those financial service providers with whom we have joint marketing agreements, you have the right to opt-out at any time. If you wish to exercise any of your opt-out rights as described above, you may opt-out [in one of three ways] as follows:

• Fill out an Opt-Out Form and send it back to us at Heritage Community Credit Union, P.O. Box 790, Rancho Cordova, CA 95741-0790.
• Contact our Call Center at 916.364.1700 or 800.233.6328 from 9 a.m. to 6 p.m., Monday through Friday, and 9 a.m. to 2 p.m. on Saturday, PST.
• Reply electronically by contacting us at optout@heritageccu.com. Include your name, address, daytime phone number and opt-out statement (e.g., �I opt-out�)

Your opt-out will remain effective until revoked in writing. Please note that even if you opt-out, we will continue to share your information to conduct our business as described above, to the extent permitted by law.