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 form
- 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.
Like many other Web sites, pearlhawaii.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.
We may provide links to external websites with third party services and products available to PHFCU members. External websites are not under our control and may have different data-collection, privacy and security policies. We do not provide information about you through the links; however, using the links may identify you as a PHFCU member to the external website operators. PHFCU is not be responsible for the content or accuracy of any information contained in external websites. Please review the terms and conditions of external websites and third party services and products carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, PHFCU nor the National Credit Union Share Insurance Fund. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services or products. Alternative services and products may be obtained from other providers of your choice.
Cookies and Web Beacons
You may send us general email messages by contacting us at MyFamily@phfcu.com. Do not include any personal or confidential information in any email that you send to us, whether through our Website or through a different email provider. Email is not secure. Never email your account number, PIN, password, username, other access code, or social security number. If you have an important message for us that is time-sensitive (for example, if you want to report a lost or stolen ATM card or credit card, if you want to stop payment on a check, or if you have other information which requires prompt action), do not rely on email, as we may not check our email messages regularly. Instead, please contact us at (808) 73.PHFCU (737.4328) (Continental U.S. and Neighbor Islands); or go to your nearest PHFCU branch office. It is important that you inform PHFCU if your email address changes. We may send you important information by email or through online banking or mobile banking. Please note, however, that we will never contact you by email, text, telephone, mail or other type of correspondence and request your PIN, password, username, or other access code. If you are contacted by anyone asking for your PIN, password, username or other access code, you should refuse and immediately contact us. You may be the target of identity theft.
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’s use of the DART cookie enables it to serve ads to our site’s visitors based upon their visit to pearlhawaii.com and other sites on the Internet.
Our Advertising Partners
Pearlhawaii.com has no access to or control over these cookies that are used by third-party advertisers.
Third Party Privacy Policies
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
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. Pearlhawaii.com does not knowingly collect any personally identifiable information from children under the age of 13. If a parent or guardian believes pearlhawaii.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.