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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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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 non-affiliated 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.

Members can opt-out 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.




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 and how we use it. Keeping financial and personal information secure is one of our most important responsibilities. Pearl Hawaii FCU is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.


To ensure information remains confidential, Pearl Hawaii FCU uses encryption technology such as Secure Socket Layer (SSL) to protect the information you enter and submit from our website.


Like many other websites, makes use of log files. These files merely log visitors to the site – usually a standard procedure for hosting companies and a part of the 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 our members through links. However, using the links may identify a PHFCU member as a visitor to to the external website operators. PHFCU is not responsible for the content or accuracy of any information contained on 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 Administration. 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 are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the site in order to continually improve the design and functionality, monitor responses to our advertisements and content, understand how account holders and visitors use the site, and assist us with resolving questions regarding the site. We also utilize cookies for advertising purposes. Tracking technologies also used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.

Our software uses cookies to collect and store only the information about your visit to our website, which includes: The Internet domain and IP address (the number automatically assigned to your computer while on the web) from which you access our website, the date and time you access our website, and the pages you visit. A cookie is a small data file that certain websites place on your hard drive when you visit them. A cookie file can contain information such as a user-ID that the website uses to track the pages that you have visited. The only personal information our cookie can contain is information you supply yourself. Our cookie cannot read data off your hard disk or read cookie files created by other websites. We use cookies to help us determine whether you are a first-time or a return visitor and the usefulness of our website to our members. If you prefer not to receive our cookies, you can set your browser to warn you when placement of our cookie is requested and decide whether to accept it. You can also refuse our cookies by adjusting your browser. For website management, we collect information for internal statistical purposes. A software program is used to create summary statistics, which are used for such purposes as assessing the number of visitors to our website, what information is of most or least interest, determining design specifications, and identifying system performance. No information is collected to identify you personally. 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 more information concerning behavioral targeting, please visit


Members may send us general email messages by contacting us at Members should not include any personal or confidential information in any email that they send us, whether through our website or through a different email provider. Email is not secure. Members should never email their account number, PIN, password, username, other access code, or social security number. If a member has an important message for us that is time-sensitive (for example, if they want to report a lost or stolen ATM card or credit card, stop payment on a check, or if they have other information which requires prompt action), they should not email as we may not check our email messages regularly. Instead, members should contact us at (808) 73.PHFCU (737.4328) or toll-free at 800.987.5583 (Continental U.S. and Neighbor Islands), message us in our Secured Messaging system with PHFCUOnline, or go to the nearest Pearl Hawaii branch office. It is important that members inform PHFCU if their email address changes. We may send important information by email or through online banking or mobile banking. Please note, however, that we will never contact members by email, text, telephone, mail, or another type of correspondence and request a PIN, password, username, or access code. If a member is contacted by anyone asking for a PIN, password, username or other access code, members should refuse and immediately contact us.

Members will be able to opt-out of being targeted for any behavioral advertising. Information to opt-out is located at the Federal Trade Commission.


Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number, or PIN numbers. We also ask that you do not send personal or account information through regular email.


  • Google, as a third-party vendor, uses cookies to serve ads on
  • Google’s use of the DART cookie enables it to serve ads to our site’s visitors based upon their visit to 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


Some of our advertising partners may use cookies and web beacons on our site. Each of these advertising partners has their own Privacy Policy for their site.

These third-party ad servers or ad networks use technology in their respective advertisements and links that appear on and which are sent directly to a visitor’s browser. They automatically receive the visitor’s 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 visitors see on the site. has no access to or control over these cookies that are used by third-party advertisers.

Visitors 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.’s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or websites.


If a visitor wishes to disable cookies, they may do so through their individual browser options. More detailed information about cookie management with specific web browsers can be found on the browsers’ respective websites.

To provide you with easy access to information, Pearl Hawaii FCU may provide links to other websites such as mortgage companies, insurance companies, government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and Pearl Hawaii FCU does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by Municipal Employees Credit Union. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.

Many websites and apps use Google services to improve their content. When they integrate Google services, these sites and apps share information with Google. We use Google Analytics to better understand how users are visiting and using our sites. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at


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. does not knowingly collect any personally identifiable information from children under the age of 13. If a parent or guardian believes 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.


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 11/25/20. Should we update, amend or make any changes to our privacy policy, those changes will be posted here. For website security, we employ software programs to monitor network traffic to identify unauthorized attempts to upload or change information or otherwise cause damage to our system. ANY UNAUTHORIZED ATTEMPT TO CHANGE INFORMATION ON THIS WEBSITE IS STRICTLY PROHIBITED BY LAW AND IS SUBJECT TO PROSECUTION UNDER THE COMPUTER FRAUD AND ABUSE ACT OF 1986, 18 USC §§ 1001 AND 1030.


Pearl Hawaii Federal Credit Union (Pearl Hawaii FCU) is committed to making our website usable by all people, including those with disabilities. As part of our commitment, we are working towards meeting or exceeding the requirements of the Web Content Accessibility Guidelines 2.0 Level AA (WCAG 2.00 AA). Please be aware that our efforts are ongoing, adding in-site ADA tools and accessibility options for users. If a visitor encounters an accessibility issue, please specify to us the Web page with the issue and we will use all reasonable efforts to make the page accessible. Visitors encountering an issue with accessibility should email the information to or call us at 808.737.4328 or toll-free at 800.987.5583.

Note: Electronic mail is not secure, and confidential or personal information should not be communicated in this manner.

To learn what Pearl Hawaii FCU does with your personal information please view our Privacy Notice or contact us by mail, phone, or email.