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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 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.

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.


Log Files

Like many other Web sites, 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.


External Websites

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 

Cookies 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 and the result of the request. 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’ve visited. The only personal information our cookie can contain is information you supply yourself. Our cookie can’t 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 or not 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: Your Ad Choices



You may send us general email messages by contacting us at 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, 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:


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

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 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. 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.’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. 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.


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: Tuesday, July 10, 2018. 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.