FACTS		WHAT DOES HEREFORD TEXAS FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
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 scores
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 Hereford Texas Federal Credit Union chooses to share, and whether You can limit this sharing.
Reasons We can share Your personal information			Does the Credit Union 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	NO
For joint marketing with other financial companies			YES	NO
For  Our  affiliates'  everyday  business  purposes  - information about Your transactions and experiences			NO	WE DON'T SHARE
For  Our  affiliates'  everyday  business  purposes  - information about Your creditworthiness			NO	WE DON'T SHARE
For Our affiliates to market to You			NO	WE DON'T SHARE
For non-affiliates to market to You			NO	WE DON'T SHARE
Questions?		Call (806) 364-1888 or write to Us at: 330 Schley Avenue, Hereford, TX 79045-5539
What We Do
How does Hereford Texas Federal Credit Union 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 Hereford Texas Federal Credit Union collect my personal information?			We collect Your personal information, for example, when You •     open an account or deposit money •     pay Your bills or apply for a loan use Your credit or debit card We also collect  Your personal information  from  others, such as credit bureaus, affiliates, or others.
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 credifworthiness affiliates from using Your information to market You sharing for non-affiliates to market You State  laws  and  individual  companies  may  give  You  additional rights to limit sharing.
Affiliates			Companies  related  by  common  ownership  or  control.  They  can be financial and non-financial companies. •     Hereford Texas Federal Credit Union has no affiliates.
Non-Affiliates			Companies  not  related  by  common  ownership  or  control.  They can be financial and non-financial companies. •     Hereford  Texas  Federal  Credit  Union  does  not  share  with non-affiliates so they can market You.
Joint Marketing			A formal  agreement  between  non-affiliated  financial  companies that together market financial products or services to You. •     Our    joint    marketing    partners    include    categories    of companies, such as insurance companies.