privacypolicy

This is the web site for Health Systems Credit Union. The following is information
or use in contacting our main office:
Health Systems Credit Union
4005 N. Broadway
Knoxville, TN 37917
Phone: 865-689-6152
Fax: 865-689-6326
Web Address: www.healthsystemscu.com
e-mail Address: hscu11@knology.net
Currently, our web server does not gather any information on consumers who browse our web page. We only collect information by those who submit loan applications or forms that we have posted on the site for specific Credit Union products or services. We only collect e-mail addresses from those who communicate with us via e-mail such as survey information, tele-trans application, etc.

USE AND SHARING OF PERSONAL INFORMATION
1) The Credit Union will use personal information as appropriate
in the normal course of our business to provide the products
and services you requested. We will also use this
information to provide positive identification of you when you
contact us.

2) We will not disclose information to third parties (excluding
    credit union affiliates such as title companies, insurance
agencies and companies that perform marketing services on
our behalf or to other financial institutions with whom we have
joint marketing agreements, etc.) concerning your account
with us, except: a) when such disclosure is necessary to
complete the transactions; b) to verify the existence and
condition of your account for a third party (such as a credit
bureau) as is permitted by law; c) to comply with any court
order or applicable laws or regulations; or d) when you give us
your written permission.
3) The Credit Union does not and will not sell or provide
personal information to third parties for independent use. We
may, however, share personal information with our credit
union affiliates as allowed by law, if that information is
required to provide a product or service you have requested.
4) We request that you keep your personal information as
current as possible so that you may get the maximum benefit
from the Credit Union. In particular, please make sure that
you inform us of any e-mail address change so that we may
communicate with you.

5) If you do not want to receive e-mail from us in the future,
please let us know by sending us e-mail at the above
address, calling or writing us, at the above address and
phone, to inform us that you are requesting to be removed
from our e-mailing list.

PROTECTION OF PERSONAL INFORMATION
1) The Credit Union uses multiple levels of security, beginning
with your browser and ending with the Credit Union’s
operating system that acts as a virtual information vault inside
the Credit Union. Information we receive via online
applications is secure and requires industry standard Secure
Socket Layer encrypted browsers.
2) Protecting your privacy is an ongoing process. We will
continue to review the measures we take to safeguard your
personal information. These reviews will result in new
measures to protect member records, as the Credit Union
makes changes to its information security practices and other
internal control systems to take advantage of new technology.

Health Systems Credit Union acknowledges responsibility in protecting the private
information of the membership. The Directors and Management take seriously the
importance of protecting the personal and financial information that is entrusted to us.
Therefore, the following privacy policy and approach, which respects and addresses
the needs of the membership, has been developed. We believe that all personal and
financial information specific to a member and provided to the Credit Union through
any means constitutes personal information.
COLLECTION OF PERSONAL INFORMATION
1) When you apply for a Credit Union account or service, personal information is
collected from applications and other forms you submit to us, credit reporting agencies,
etc. in order to process your application. This information may be retained by us so that
the products and services you request can be provided. Some of this information is handled
by our operating partners (an example is PSCU, Inc. They need specific data to process
your VISA credit card transactions). Our operating partners have agreed to abide by
our policy.
2) When you open or use an account or service from the Credit Union, we retain personal
information, provided by you, in the context of using that product or service, including
transaction information.
3) After you sign up for our online services (Bradford Scott) our data system records certain
online information, including the transactions you conduct online. These data enable us to
process and confirm your transactions.
4) When you send us e-mail, we will retain the content of the e-mail, your e-mail address
and our response for a period of time in order to assure we have adequately addressed
your inquiry and to handle any follow up questions you may have. We may also use it to
measure how effectively we address your concerns.

USE AND SHARING OF PERSONAL INFORMATION
1) The Credit Union will use personal information as appropriate in the normal course
of our business to provide the products and services you requested. We will also use this
information to provide positive identification of you when you contact us.
2) We will not disclose information to third parties (excluding credit union affiliates such
as title companies, insurance agencies and companies that perform marketing services
on our behalf or to other financial institutions with whom we have joint marketing agreements, etc.) concerning your account with us, except: a) when such disclosure is necessary to complete the transactions; b) to verify the existence and condition of your account for a third party (such as a credit bureau) as is permitted by law; c) to comply with any court order or applicable laws or regulations; or d) when you give us your written permission.
3) The Credit Union does not and will not sell or provide personal information to third
parties for independent use. We may, however, share personal information with our credit union affiliates as allowed by law, if that information is required to provide a product or
service you have requested.
ACCURACY OF PERSONAL INFORMATION
1) The Credit Union intends to exercise reasonable procedures in order to assure the
accuracy of our records and your personal information. Inaccurate information, when
brought to our attention, will be corrected as promptly as possible. If you have any questions
regarding the accuracy of your personal information, please call a Credit Union representative,
or contact us at www.healthsystemscu.com. We will investigate your issue and update your
records as needed.
2) We request that you keep your personal information as current as possible so that
you may get the maximum benefit from the Credit Union. In particular, please make sure
that you inform us of any e-mail address change so that we may communicate with you.
PROTECTION OF PERSONAL INFORMATION
1) The Credit Union uses multiple levels of security, beginning with your browser and ending
with the Credit Union’s operating system that acts as a virtual information vault inside the
Credit Union. Information we receive via online applications is secure and requires industry
standard Secure Socket Layer encrypted browsers.
2) Protecting your privacy is an ongoing process. We will continue to review the measures
we take to safeguard your personal information. These reviews will result in new measures
to protect member records, as the Credit Union makes changes to its information security
practices and other internal control systems to take advantage of new technology.

Health Systems Credit Union (HSCU) provides the kids' section of its web site for the convenience and education of the children of its members. HSCU is committed to protecting the online
privacy of the children who visit its web site and to complying with the Children's Online Privacy Protection Act.

IF YOU ARE UNDER THE AGE OF 13, ALWAYS GET A PARENT'S PERMISSION BEFORE GIVING OUT ANY PERSONAL INFORMATION ABOUT YOU - INCLUDING YOUR NAME, ADDRESS, TELEPHONE NUMBER, OR E-MAIL ADDRESS - TO ANYONE ON THE INTERNET.

*HSCU does not knowingly collect personally identifiable information from children under the age of 13, including "cookies", during web site visits.
*Because we do not collect the above-mentioned information from children under 13, we do not distribute any such information to third parties.
*HSCU does not condition the participation of a child in any Kids' Club Page activity on the provision of any unreasonable personally identifiable information.
*If any personal information is collected for an event or contest including name, address, phone number and e-mail address, this information is used to notify winners and is not sold to third party vendors.

The HSCU Kids' Club Page may include links to other external web sites, including amusement parks, area attractions and merchants that provide products for children. These external sites are not part of HSCU's services, are not under our control, and may not comply with applicable law. Because these external web sites may have privacy policies that are different than HSCU's, please consult the privacy policies of any web site that asks for personally identifiable information before providing it.

Parents should review online activity and can ask to have any personal information from the child deleted and may refuse any further collection or use of the child's information by HSCU. In turn, HSCU may terminate any service provided to the child, but only if the information at issue is reasonably necessary for the child's participation. For example, if a child is entering a contest, the child's name, address, phone number and possible e-mail address (if the contest is a web site only contest) would be necessary for participation for notification purposes; submission of hobbies would be deemed unnecessary and optional information.