Horizons North Credit Union

HORIZONS NORTH CREDIT UNION

PRIVACY NOTICE AND DISCLOSURE

Horizons North Credit Union, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union. These practices are followed by the credit union and its affiliates, including but not limited to CUILA and SD12 Financial Corporation, and therefore this notice will also apply to them. If after reading this notice you have questions, please contact us at:

877-451-4628 or 303-451-1146

or write to:

Member Service Supervisor Horizons North Credit Union
11455 Pearl Street Northglenn, CO 80233

Information We Collect About You

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications and other forms;
Information about your transactions with us or our affiliates;
Information obtained when verifying the information you provide on an
application or other forms; this may be obtained from your current or past
employers, or from other institutions where you conduct financial
transactions;

Horizons North Credit Union and its affiliates may also work closely to offer products and services to meet member needs. As a result, we may also share your nonpublic personal information with each other as permitted by law.

Disclosure of Information to Parties That Provide Services to Us

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under 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, following your instructions as you authorize, or protect the security of our financial records.

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 the information we provide to other third parties.

Disclosure of Information About Former Members

If you terminate your membership with Horizons North Credit Union or its affiliates, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do to Help

Horizons North Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines: Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide easy access to your accounts if your card is lost or stolen. Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff members will have access to your information and will not need to ask for it.

Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.

Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!

Horizons North Credit Union
11455 Pearl Street Northglenn, CO 80233
Phone: (303) 451-1146 Fax: (303) 450-7422

Internet Usage

Horizons North Credit Union has taken every precaution available to assure that your private financial information transmitted through the Internet is safe and secure. Horizons North Credit Union is not liable for content or availability of linked sites. If you have any concerns, please contact the credit union at 720.872.8609.