Notice of your Financial Privacy Rights

The confidentiality, security, and integrity of your nonpublic personal 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, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

The information that we collect

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

  • information we receive from you on applications or other forms
  • information about your transactions with us
  • information about your transactions with nonaffiliated third parties
  • information from a consumer reporting agency

Nonpublic personal information and nonaffiliated third parties

We will not disclose your nonpublic personal Information to nonaffiliated third parties, except as permitted by law.

Nonpublic personal information and former members

We do not disclose nonpublic personal information about former members, except as permitted by law.

You have the right to choose

We may disclose nonpublic personal information about you in the future to nonaffiliated third parties to provide our members with information about additional products and services. 

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Your right to block the disclosure of your nonpublic personal information

Nonaffiliated third parties. If you do not want us to share your nonpublic personal information with nonaffiliated third parties in the future, you can block the release of certain nonpublic personal information. This is known as your right to "opt out."

Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.

Opt out forms are located at all Pearl Hawaii Federal Credit Union locations.


Definition of terms

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control.

A nonaffiliated third party is a company that is not an affiliate of ours.

Opt out
means a choice you can make to prevent certain sharing of information.

For more information about Pearl Hawaii FCU's Privacy Policy feel free to contact us.


At www.phfcu.com we consider the privacy of our visitors to be extremely important. This privacy policy document describes in detail the types of personal information is collected and recorded by www.phfcu.com and how we use it.

Log Files
Like many other Web sites, www.phfcu.com makes use of log files. These files merely logs visitors to the site - usually a standard procedure for hosting companies and a part of hosting service's analytics. The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the number of clicks. This information is used to analyze trends, administer the site, track user's movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons
www.phfcu.com uses cookies to store information about visitors' preferences, to record user-specific information on which pages the site visitor accesses or visits, and to personalize or customize our web page content based upon visitors' browser type or other information that the visitor sends via their browser. These cookies may be used to target those users on 3rd party websites within our advertiser's network,. For information concerning behavioral targeting, please visit:

Your Ad Choices

You will be able to opt-out of being targeted for any behavioral advertising by any member of the Internet Advertising Bureau.

DoubleClick DART Cookie
→ Google, as a third party vendor, uses cookies to serve ads on www.phfcu.com.
→ Google's use of the DART cookie enables it to serve ads to our site's visitors based upon their visit to www.phfcu.com and other sites on the Internet.
→ Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL: http://www.google.com/privacy_ads.html

Our Advertising Partners
Some of our advertising partners may use cookies and web beacons on our site.

While each of these advertising partners has their own Privacy Policy for their site, an updated and hyperlinked resource is maintained here: Privacy Policies

Privacy Policies
You may consult this listing to find the privacy policy for each of the advertising partners of www.phfcu.com.

These third-party ad servers or ad networks use technology in their respective advertisements and links that appear on www.phfcu.com and which are sent directly to your browser. They automatically receive your IP address when this occurs. Other technologies (such as cookies, JavaScript, or Web Beacons) may also be used by our site's third-party ad networks to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on the site.

www.phfcu.com has no access to or control over these cookies that are used by third-party advertisers.

Third Party Privacy Policies
You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. www.phfcu.com's privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites. You may find a comprehensive listing of these privacy policies and their links here: Privacy Policies

Privacy Policy Links

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers' respective websites. Privacy Policies

Children's Information
We believe it is important to provide added protection for children online. We encourage parents and guardians to spend time online with their children to observe, participate in and/or monitor and guide their online activity. www.phfcu.com does not knowingly collect any personally identifiable information from children under the age of 13. If a parent or guardian believes that www.phfcu.com has in its database the personally-identifiable information of a child under the age of 13, please contact us immediately (using the contact in the first paragraph) and we will use our best efforts to promptly remove such information from our records.

Online Privacy Policy Only
This privacy policy applies only to our online activities and is valid for visitors to our website and regarding information shared and/or collected there. This policy does not apply to any information collected offline or via channels other than this website.

By using our website, you hereby consent to our privacy policy and agree to its terms.

This Privacy Policy was last updated on: Wednesday, January 7th, 2015. Should we update, amend or make any changes to our privacy policy, those changes will be posted here.