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Privacy Policy

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Facts What does Horizons North Credit Union do With Your Personal Information?
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Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. 
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What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: 
  • Social Security number, income, and address
  • Account balances and payment history
  • Credit history and credit scores
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How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Horizons North Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Horizons North Credit Union share? Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes—
to offer our products and services to you
Yes No
For joint marketing with other financial companies No No
For our affiliates’ everyday business purposes—
information about your transactions and experiences
No No
For our affiliates’ everyday business purposes—
information about your creditworthiness
No No
For our affiliates to market to you  No No
For non-affiliates to market to you Yes Yes
Topic Description
To limit our sharing?
  • Call 303-451-1146 —our menu will prompt you through your choice(s) or
  • Visit us online:

    Please note:

    If you are a new customer, we can begin sharing your information 30 days from the date we

    sent this notice. When you are no longer our customer, we continue to share your information as

    described in this notice.

    However, you can contact us at any time to limit our sharing.

Topic Description
Questions? Call 303-451-1146 or go to 
Who we are
Who is providing this notice  Horizons North Credit Union
What we do Description
How does Horizons North Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Horizons North Credit Union collect my personal information? We collect your personal information, for example, when you
  • open an account
  • apply for a loan
  • pay your bills
  • use your credit or debit card
  • make deposits to or withdrawals from your accounts
We also collect your personal information from others, including credit bureaus or other companies.
Why can’t I limit all sharing? Federal law only gives you the right to limit only
  • sharing for affiliates’ everyday business purposes — information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else? Your choice will apply to everyone on the account.
Definitions Description
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies such as Credit Union Direct Connect (indirect lending), investment companies providing services to you or the credit union, and nonfinancial companies, such as our credit union association.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Non-affiliates we share with can include: companies such as insurance companies and direct marketing companies with which we may have specific agreements.
Joint marketing

A formal agreement between Horizons North Credit Union and a nonaffiliated financial company where we jointly market financial products or services to you.

  • Joint marketing partners may include companies such as credit card companies
Other Important Information
Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.


If you are using a screen reader and having problems accessing any of our web pages or documents, please call 303-451-1146 during normal business hours (M-F 9 AM – 5 PM) for assistance.

Internet Usage

Horizons North Credit Union has taken every precaution available to assure that your private financial information transmitted through the Internet is safe and secure. Horizons North Credit Union is not liable for content or availability of linked sites. If you have any concerns, please contact the credit union at 303.451.1146.


A cookie is a small text file that allows the storage of such information. Most browsers are set up to accept cookies, but you can change your settings to have your browser notify you when you receive a new cookie or to refuse to accept cookies. Cookies are important and necessary part of providing personalized services to our users.  We do not currently support the capability to respond to web browser “do not track” signals. We use a tool called “Google Analytics” to collect information about use of our website. Visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using Google’s Ad Settings.You can opt out of Google Analytics without affecting how you visit our website. For more information on opting out of Google Analytics tracking, visit this Google Analytics Page.


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  • The linked site is not owned or controlled by the credit union.
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