Privacy Policy

Important Information About Your Financial Privacy

Effective: 07/01/04

Havasu Community Credit Union (a division of L.A. Financial Federal 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 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.

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 transaction 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 and 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 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.

Children's Online Information Policy

Havasu Community Credit Union (a division of L.A. Financial Federal Credit Union) does not knowingly collect, maintain, or use personal information about children under age 13 from its website. If a person sends personal information to us through any online service and identifies himself or herself as being under the age of 13, we will only use that information to respond directly to that child or to notify the parents. We will not retain such information unless we obtain parental consent.

Links to other websites found in Havasu Community Credit Union (a division of L.A. Financial Federal Credit Union). A link to another website does not constitute a product or program endorsement by Havasu Community Credit Union (a division of L.A. Financial Federal Credit Union). Havasu Community Credit Union (a division of L.A. Financial Federal Credit Union) has no responsibility for content of the web site found at these links, or beyond, and does not attest to the accuracy or propriety of any information located there.

E-Mail

If you choose to contact us via e-mail, please keep in mind that your e-mail address and any other information your e-mail header shows about you, (e.g. name or organization), will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. Please do not send confidential information using e-mail as it is not a secure method of communication. Your e-mail address will not be sold or shared with others outside the Credit Union unless we are compelled to do so by law.

Loan Application

You may apply for a loan online. This information will be used for the sole purpose of determining your eligibility for the loan.

Links to Co-Branded Sites

This site contains links to other "co-branded" sites. Havasu Community Credit Union (a division of L.A. Financial Federal Credit Union) is not responsible for the privacy practices or the content of such Web sites. Please refer to the privacy policy statement on these sites for their privacy practices.

We reserve the right to change this policy at any time by posting a new policy.