Privacy Policy

Privacy Policy

About this policy

This document sets out how Horizon Ridge Credit Union safeguards your privacy.

We recognise the importance of protecting your privacy and are committed to ensuring the continued integrity and security of the personal information you entrust to us.

Our aim is to comply at all times with the privacy laws (incorporating the Australian Privacy Principles) that apply to us. If you have a comment, query or complaint regarding a privacy matter, we encourage you to discuss it with us.

Collection

We usually collect personal information directly from you. Sometimes we collect or confirm this information from a third party. We will use reasonable efforts to obtain your consent prior to contacting a third party for this purpose.

We collect personal information that includes details such as your:

• Identity information (Name, Date of Birth)
• Contact information (such as phone numbers, address, and e-mail addresses)
• Financial information such as information about your use of financial products and services which you acquire from or through us

In some cases, we may need to collect sensitive information about you (such as health related information). We will first seek your consent to collect such information where we are required to do so.

Use and disclosure

We use your personal information in order to:

• Provide you with financial products and services
• Assist you with your queries or concerns
• Comply with any legal or regulatory obligations imposed on us
• Perform our necessary business functions
• Identify and prevent fraud, scams and other unauthorised activity

To do this, we may disclose your personal information to organisations that carry out functions on our behalf. This may include mailing and printing houses, cheque and electronic transaction processors, information technology service providers, fraud detection and prevention providers, professional advisers, valuers, introducers and debt collection agencies. Our agreements with these entities ensure this information is only used to carry out functions on our behalf.

We may also disclose your personal information to regulators and government authorities as required by law.

Disclosure to overseas recipients

In some cases we may need to share some of your information with organisations outside Australia. For example, when we use service providers located overseas to perform a function on our behalf.

We may share your information with overseas organisations that are located in the following countries: Belgium, Bulgaria, Canada, Fiji, France, Germany, India, Indonesia, Ireland, Israel, Nauru, The Netherlands, New Zealand, Philippines, Singapore, Spain.

When we share your information with organisations overseas we ensure appropriate data handling and security measures are in place.

Access and correction

In most cases you can access your personal information held by us. If you believe that personal information we hold about you is inaccurate, out of date or incomplete, you should contact us.

We will promptly update your personal information that is inaccurate, out of date or incomplete. In some cases we may request you provide us with supporting documentation to amend the personal information we hold about you.

Opting out of product promotions

You can opt out of receiving direct marketing material at any time by contacting us. If you do opt out, we will continue to provide information in relation to your existing accounts or facilities only (including new features or products related to these accounts or facilities).

Storage and security of your personal information

We will take reasonable steps to keep the personal information we hold about you secure to ensure that it is protected from misuse, interference, loss, unauthorised access, modification or disclosure.

Your personal information is stored within secure systems that are protected in controlled facilities. Our employees and authorised agents are obliged to respect the confidentiality of any personal information held by us.

Our websites and the use of cookies

We use our best efforts to ensure that information received via our Websites remains secured within our systems. We are regularly reviewing developments in online security. However, you should be aware that there are inherent risks in transmitting information across the internet.

We use cookies on our Websites. Cookies can make using our Websites easier by storing information about your preferences and enabling you to take full advantage of our services. Cookies are very small text files that a Website can transfer to your computer hard drive or portable electronic device memory for record keeping.

Most internet web browsers are pre-set to accept cookies to enable full use of websites that employ them. However, if you do not wish to receive any cookies on an internet web browser you may configure your browser to reject them or receive a warning when cookies are being used. In some instances, this may mean that you will not be able to use some or all of the services provided on our Websites. However you may still be able to access information-only pages.

Changes to this policy

From time to time, it may be necessary for us to review this policy and the information contained in this document. We will notify you of any changes by posting an updated version on our website(s).

Contacting us

If you have any questions about this policy, what personal information or credit related information we may hold in relation to you, or about the way we manage your personal information or credit related information you can contact us.

Email: contact@horizonridge.cc
Phone: +1 502 209 5647

Privacy queries or complaints

If you have a query or wish to make a complaint regarding the handling of your personal information, including your credit related information, by us, please contact our Customer Feedback Team. We will promptly investigate your complaint and notify you of the outcome.