AllPoint
Click Here
ApplicationsCalculatorsAbout UsRatesMembershipInsuranceFAQ'sHome
Site Search:       Sunday, October 29, 2006
Savings Accounts
Regular Share
RSVIP
Holiday Savings
HEWEY Shares
CU Succeed
Silver Share Certificates
ATM Card
Star Program
Seminars
Money Savvy Articles
Retirement Articles
Account Agreement Disclosure


TiVo.com | TiVo Privacy Policy
TiVo Logo - Click for TiVo Home
TiVo Privacy Policy

Updated May 2006

Preamble

 

TiVo Inc. ("TiVo") is committed to protecting the privacy of your personal information. The TiVo Privacy Policy is published on the World Wide Web at www.tivo.com/privacy. We have printed it here for your convenience, but we encourage you to check the web site or call us for a copy of the current Privacy Policy.

This Privacy Policy applies to your use of the TiVo service (also known as the TiVo Plus service) and/or the TiVo Basic service, as the case may be. For purposes of convenience only, the TiVo service (also known as the TiVo Plus service) and the TiVo Basic service are each referred to individually as the "TiVo service" in this Privacy Policy. Where the Privacy Policy differs depending on the type of service you have, that difference will be noted. Use of your TiVo® Digital Video Recorder (referred to in this Privacy Policy as your "TiVo DVR") with the TiVo service will signify your acceptance of this Privacy Policy. Thank you for using the TiVo service!

Summary of the TiVo Privacy Policy

TiVo knows how important personal privacy is to you, so we have designed our system and established strict policies to help protect the privacy of your Personally Identifiable Viewing Information. In summary, we want you to know that:

    The TiVo DVR collects certain types of information from its users, including Anonymous Viewing Information, Diagnostic Information, Commerce Information, and Service Information (each as defined below).

    TiVo does not collect or access any Personally Identifiable Viewing Information (as defined below) from your TiVo DVR, UNLESS YOU SPECIFICALLY GIVE PRIOR CONSENT. Absent your consent, TiVo does not keep track of what shows you-as an individual or household- have watched, recorded, or rated with "Thumbs Up" or "Thumbs Down." NOTE: If your TiVo DVR is receiving the TiVo Basic service, you may not be able to consent to TiVo's collection of your Personally Identifiable Viewing Information from that TiVo DVR.

    TiVo does collect Anonymous Viewing Information; that is, information about viewing choices made while using your TiVo DVR, but that does not identify you as an individual or household. In other words, there is no personally identifiable information associated with your Anonymous Viewing Information that could identify the Anonymous Viewing Information as coming from you or your household. You can elect to block TiVo from collecting Anonymous Viewing Information.

    TiVo also collects Diagnostic Information from a small number of randomly sampled TiVo DVRs for quality control purposes. If you subscribe to the TiVo Plus service and don't want your Anonymous Viewing Information and Diagnostic Information used in any way, simply tell us by writing to us or calling us at 1-877-367-8486.

    If you affirmatively elect to engage in a commercial transaction such as by responding to an advertisement or promotion, TiVo will collect and disclose your Commerce Information (as defined below) to the commerce partner fulfilling the transaction.

    If you affirmatively elect to use the Online Scheduling feature of the TiVo Plus service or download content to your TiVo DVR using a TiVo content delivery service ("CDS"), TiVo will collect the Personally Identifiable Viewing Information associated with fulfillment of your individual request(s). Use of the Online Scheduling feature or content delivery service does not change your privacy preferences with respect to viewing choices made in the privacy of your household. Use of other advanced features, however, may require you to change your privacy preferences.

    TiVo intends to make available new services in the future. These services will be governed by the privacy policies of the respective service providers.

    NOTE TO TIVO BASIC SERVICE CUSTOMERS: If your TiVo DVR is receiving the TiVo Basic service, you may not (i) be able to opt out of our collection of Anonymous Viewing Information and Diagnostic Information from that TiVo DVR, (ii) opt out of your receipt of communications we send you in the event you provide us with Contact Information (though you are not required to provide us with any Contact Information as to that TiVo DVR), (iii) engage in commerce transactions from that TiVo DVR, (iv) use content delivery services with that TiVo DVR; (v) use the Online Scheduling feature with that TiVo DVR, or (vi) be able to change your privacy preferences to allow TiVo to collect Personally Identifiable Viewing Information from that TiVo DVR.

    NOTE TO CUSTOMERS WITH MORE THAN ONE TIVO DVR: Generally, TiVo will cause all of all the TiVo DVRs on your account receiving the TiVo Plus service to have the same "opt" status. See Sec. 2.9 of the Privacy Policy for further details.

TiVo Privacy Policy

Please read this Privacy Policy carefully. It provides important information on how your privacy is protected when using the TiVo service.

In order to provide you with a better, more satisfying television experience, TiVo Inc. ("TiVo") collects and uses certain types of information, as described in this Privacy Policy. The User Information (defined below) you provide to the TiVo Digital Video Recorder (referred to in this Privacy Policy as your "TiVo DVR") in your house and to us at TiVo enables your TiVo DVR to select programs you want it to record and, if you are TiVo Plus service user, to suggest programs you might enjoy.

By using your TiVo DVR and the TiVo service, you consent to the provisions of this Privacy Policy including the privacy preferences set forth in Section 4.1. This Privacy Policy explains our commitments to your privacy in the following areas:

1.      Our User Information Definitions

In discussing the kind of information TiVo collects, it is important to distinguish between anonymous information and other information that specifically identifies you or your household. Too often people refer to "personal information" or "personally identifiable information" without really making clear what they mean. TiVo has developed the following definitions to help clarify this important issue. We use "User Information" as a general term that refers to any information relating to you or your use of the TiVo service. The following are more specific types of User Information.

1.1    "Account Information" means information about you and your TiVo DVR, including your Contact Information (defined below) and other information linked to your Contact Information such as the model and Service Number of your TiVo DVR, your ZIP code, software version used, your TV programming source (cable, satellite or an antenna), the type of cable hook-up (digital or analog) and level of TiVo service (TiVo Basic, TiVo Plus, premium services, etc.), privacy preferences, and the cable or satellite box model that you use. You provide us with this information when (a) you set up your TiVo DVR with TiVo Basic service or (b) when you register as a user of the TiVo Plus service. This Service Information (defined below) is sent to TiVo on an ongoing basis to enable TiVo to provide the TiVo service to your TiVo DVR. Account Information also includes information we may receive about you in a communication from you or a Third Party. Account Information does not include any Personally Identifiable Viewing Information, or Anonymous Viewing Information, as defined below.

a         "Contact Information" means information that allows someone to identify or contact you, including, for example: your name, address, telephone number, and e-mail address. Contact Information is a subset of Account Information and is thus linked to your TiVo DVR's Service Number. Your ZIP code by itself, while part of your address, is not Contact Information because your ZIP code alone does not allow someone to identify or contact you. NOTE: If your TiVo DVR is receiving the TiVo Basic service, you are not required to provide TiVo with any Contact Information from that TiVo DVR.

b         "Service Information" means information necessary for TiVo to provide service to your TiVo DVR. Examples of Service Information include your software version number, your TV programming source, level of service, and the success status of the last attempted service connection (e.g., periodic call). This information is always transmitted to TiVo when connected to the TiVo servers.

1.2    "Personally Identifiable Viewing Information" means information about the viewing choices that you and those in your household make while using your TiVo DVR, if that information is linked to or associated with your Account Information. Your TiVo DVR stores your viewing information so that it may recommend viewing choices and personalize your viewing experience. We have worked very hard to design our system to ensure that no Personally Identifiable Viewing Information may be sent to, or collected by, TiVo without your express consent. If you use the TiVo Plus service, you may choose to consent to TiVo's collection of Personally Identifiable Viewing Information by changing your privacy preferences. NOTE: If your TiVo DVR is receiving the TiVo Basic service, you may not be able to consent to TiVo's collection of Personally Identifiable Viewing Information from that TiVo DVR.

1.3    "Anonymous Viewing Information" means information about viewing choices that you and those in your household make while using your TiVo DVR, but is not associated with or linked to any Contact Information. Your TiVo DVR sends Anonymous Viewing Information to TiVo on an ongoing basis. This information allows TiVo to know that a TiVo service user from a particular ZIP code watched certain programming but we are unable to associate those viewing choices with you. If you use the TiVo Plus service, you may request that TiVo block the collection of Anonymous Viewing Information from your TiVo DVR. NOTE: If your TiVo DVR is receiving the TiVo Basic service, you may not opt out of TiVo's collection of Anonymous Viewing Information from that TiVo DVR.

1.4    "Diagnostic Information" means a log file containing detailed information about the operation of your TiVo DVR, such as memory consumption, user interface response time, disk space, enclosure temperature, and enclosure fan speed. Diagnostic Information logs contain your TiVo DVR's Service Number and are thus associated with your Account Information. If you use the TiVo Plus service, you may request that TiVo block the collection of Diagnostic Information logs from your TiVo DVR as described in Section 4.1. NOTE: If your TiVo DVR is receiving the TiVo Basic service, you may not opt out of TiVo's collection of Diagnostic Information from that TiVo DVR.

1.5    "Commerce Information" means personally identifiable information that enables a commerce partner to fulfill your request to participate in a promotion or transaction. From time to time, TiVo may present special offers and/or enable you to purchase goods and services from TiVo, or Third Party advertisers or promoters. You would be informed of such offers on screen while using the TiVo Plus service. Should you decide to take advantage of such an offer or engage in a transaction, TiVo will collect and communicate your relevant Contact Information and your interest in a specific offer or transaction to the commerce partner sponsoring the promotion or transaction. In addition to fulfilling your request, that commerce partner may also use your Commerce Information to send you other information in which you might be interested consistent with its own privacy policies. This information is collected and disclosed by TiVo only upon your affirmative response to an offer. NOTE: Depending on your level of TiVo service and the model of your TiVo DVR, such features may not be available to you.

1.6    "Feature-Generated Request Information" means personally identifiable information about television programming or other content that you request your TiVo DVR to record or identify using a content delivery service, a feature offered by a Third Party, or using certain TiVo features, such as TiVo Online Scheduling. Should you decide to use such a feature or service, TiVo will collect the Personally Identifiable Viewing Information associated with the fulfillment of your recording (or scheduling conflict) request. TiVo may use this Personally Identifiable Viewing Information as described in Section 2.2. If the feature or service is offered by a Third Party, TiVo will communicate to the Third Party the necessary Personally Identifiable Viewing Information to complete the transaction. In the case of Third Party service providers, the use of this information will be governed by the privacy policy of the respective Third Party service provider. TiVo collects this information only upon your affirmative choice to use a particular feature. NOTE: Depending on your level of TiVo service and the model of your TiVo DVR, such features may not be available to you.

2.      Use of User Information

2.1    Account Information. We use your Account Information to establish and provide you with your TiVo service, provide the necessary resources to your TiVo DVR, offer you new services when they are available, and other legitimate business purposes. For example, we use your e-mail address to communicate with you regarding new services, and to exclude you from offers for services you may already have. If you use the TiVo Plus service, we also use such information to create your account with TiVo and to bill you for the TiVo Plus service. Knowing your ZIP code, programming source, and information about your cable or satellite box model allows us to determine which programming information (e.g., times and channels of programs) to send to your TiVo DVR.

We use your Account Information to communicate with you about upcoming features in the TiVo service or promotions that might interest you. If you use the TiVo Plus service, you may opt not to receive communications in the future as explained in Section 4.1. We also use your Account Information in aggregate form (i.e., excluding any Contact Information) to generate demographic profiles of our users as a whole to assist us to, for example, identify future users of the TiVo service or other services. NOTE: If your TiVo DVR is receiving the TiVo Basic service, and you choose to provide us with Contact Information, you may not opt out from receiving communications in the future. However, you are not required to provide us with any Contact Information so long as that TiVo DVR is receiving the TiVo Basic service.

2.2    Personally Identifiable Viewing Information. Your TiVo DVR uses your viewing information to tune, schedule, and record programs. If you have the TiVo Plus service, your TiVo DVR also uses your viewing information to recommend programs for you. Your TiVo DVR may also use this viewing information to select advertisements or other promotions for you that you may be interested in. TiVo does not receive the Personally Identifiable Viewing Information stored on your TiVo DVR without your consent. Absent your consent, no "tag" is added to the Anonymous Viewing Information transmitted from your TiVo DVR to TiVo that would enable TiVo to identify the TiVo DVR from which it came.

The collection of Personally Identifiable Viewing Information is necessary for the use of certain advanced TiVo features. You will be asked to change your privacy preferences to allow TiVo to collect your Personally Identifiable Viewing Information before you can use these advanced features. If you expressly choose to allow TiVo to collect your Personally Identifiable Viewing Information, TiVo may use this information to provide the requested services as well as for surveys, audience measurement, and other legitimate business purposes. However, TiVo will not sell or otherwise disclose your Personally Identifiable Viewing Information to Third Parties (as defined in Section 3.1) without your express consent.

 

2.3    Anonymous Viewing Information. We use Anonymous Viewing Information to develop reports and analyses about what programs, advertisements, and types of programming our users (as a whole or in subgroups) watch or skip, for other programming or advertising research, and for any other legitimate business purpose. For example, we use Anonymous Viewing Information to develop inferences that people who watch show X also watch show Y. We also use Anonymous Viewing Information to help with the investigation of technical issues with our systems.

2.4    Diagnostic Information. TiVo collects Diagnostic Information logs from a small number of randomly sampled TiVo DVRs for quality control and technical troubleshooting purposes.

2.5    Commerce Information. TiVo uses Commerce Information as described in Section 1.5.

2.6    Feature Generated Requests Information. TiVo uses Feature Generated Request Information for the purposes described in Section 1.6.

2.7    Activating the TiVo Plus Service. When you activate a TiVo DVR that was receiving TiVo Basic service to receive the TiVo Plus service, and it is the only TiVo DVR on your account receiving the TiVo Plus service, your TiVo DVR will provide Anonymous Viewing Information and Diagnostic Information to TiVo. You may opt in to the collection of Personally Identifiable Viewing Information or opt out of TiVo's collection of Anonymous Viewing Information and Diagnostic Information pursuant to the terms and conditions of this Privacy Policy.

2.8    Reverting to the TiVo Basic Service. If you decide to terminate your TiVo Plus service, and your TiVo DVR is eligible to receive the TiVo Basic service, that TiVo DVR will retain the opt status that it had when the TiVo Plus service is terminated. NOTE: Your TiVo DVR may not be eligible to receive the TiVo Basic service. Consult your User's Guide to determine if your TiVo DVR is eligible to receive the TiVo Basic service.

2.9    TiVo Customers with Multiple TiVo DVRs. TiVo will cause all of the TiVo DVRs on your account to have the same "opt" status. This means that if you opt out of our collection of Anonymous Viewing Information and Diagnostic Information from one TiVo DVR, we will not collect Anonymous Viewing Information and Diagnostic Information from any of the TiVo DVRs. If you request that TiVo collect your Personally Identifiable Viewing Information from one TiVo DVR, TiVo will collect Personally Identifiable Viewing Information from all of the TiVo DVRs on your account.

3.      Disclosure of User Information

3.1    Generally. We disclose aggregated Account Information and aggregated Anonymous Viewing Information and any reports or analyses derived therefrom, to unaffiliated third parties including advertisers, broadcasters, consumer and market research companies and other organizations ("Third Parties").

3.2    Manufacturing and Service Provider Partners. In certain instances we will disclose to our hardware manufacturing partners and service provider partners (for example DIRECTV) the Account Information of users who have a DVR made by that manufacturing partner or receive a service from that service provider partner. However, TiVo contractually binds our manufacturing and service provider partners to comply with the provisions of this Privacy Policy. Our manufacturing and service provider partners are legally liable for misuse of User Information.

3.3    Contractors and Vendors. We use contractors to help with some of our operations. Some of these contractors will have access to our databases of User Information on a temporary basis for specific tasks. TiVo also uses vendors to help with certain aspects of its operations, which may require disclosure of your User Information to them. For example, TiVo may use a vendor to communicate with you (via telephone, e-mail, or letter) about your TiVo service or upcoming features or services, to mail rebate checks, to generate demographic profiles based on User Information of current TiVo service users, and to perform other work that we may need to outsource. If you are a TiVo Plus service user, TiVo may additionally use a vendor to process and collect payment for your TiVo Plus service via your credit card. TiVo contractually binds these contractors and vendors to use your User Information only as necessary to perform the services they are asked to perform. Such contractors and vendors are legally liable for misuse of User Information.

3.4    The "Corporate Family." TiVo may share some or all of your User Information with any parent company, subsidiaries, joint ventures, or other companies under a common control (collectively "Affiliates"). In such event, TiVo will require its Affiliates to honor this Privacy Policy. If another company acquires TiVo, or acquires assets of TiVo that comprise or include your User Information, that company will possess the User Information collected by TiVo and it will assume the rights and obligations regarding your User Information as described in this Privacy Policy.

3.5    Commerce Partners. When you elect to participate in a special offer or engage in a transaction with TiVo or a Third Party advertiser or promoter, TiVo will collect and disclose your Commerce Information to the commerce partner sponsoring and/or fulfilling the promotion. In addition to fulfilling your request, that commerce partner may also use your Commerce Information to send you other information in which you might be interested consistent with its own privacy policies. This information is disclosed only upon your affirmative response to an offer. NOTE: Depending on your level of TiVo service and the model of your TiVo DVR, such features may not be available to you.

3.6    Factors Beyond Our Control. Your privacy is very important to us. Due to factors beyond our control, however, we cannot fully ensure that your User Information will not be disclosed to Third Parties. For example, we may be legally obligated to disclose User Information to local, state or federal governmental agencies or Third Parties under certain circumstances (including in response to a subpoena), or Third Parties may circumvent our security measures to unlawfully intercept or access your User Information.

 

4.      Your Choices Regarding User Information

4.1    Limits on TiVo's Collection, Use, and Disclosure of User Information. The default privacy preferences, to which you hereby consent, do not allow TiVo to collect Personally Identifiable Viewing Information, but do allow TiVo to collect, use, and disclose Anonymous Viewing Information and Diagnostic Information logs, in addition to Account Information, in manners consistent with this Privacy Policy. Commerce Information is collected, used, and disclosed only upon your affirmative response to an offer. Feature-Generated Request Information is collected, used, and disclosed only upon your affirmative choice to use a particular feature. NOTE: Depending on your level of TiVo service and the model of your TiVo DVR, such features may not be available to you. You may be asked to change your privacy preference should you choose to select certain features that will require TiVo to collect certain Personally Identifiable Viewing Information in order to customize your viewing experience.

Even though Anonymous Viewing Information and Diagnostic Information do not include any Contact Information, if your TiVo DVR is receiving the TiVo Plus service, you may request that TiVo block the collection of Anonymous Viewing Information and Diagnostic Information from your TiVo DVR. If your TiVo DVR is receiving the TiVo Plus service, you may further opt not to receive communications that we send to you based on your Account Information; provided, however, that we will still send you communications TiVo deems important regarding your TiVo Plus service. If you make this choice, you understand that we will not be able to inform you about any upcoming features, improvements, or promotions regarding your TiVo Plus service. In all cases, however, we will collect and use your Account Information (including Service Information) to enable us to provide your TiVo DVR with the TiVo Basic service and the TiVo Plus service. If your TiVo DVR is receiving the TiVo Plus service, you may choose to change your privacy preferences to allow TiVo to collect Personally Identifiable Viewing Information from your TiVo DVR.

If you are a TiVo Plus customer and you would like to change your privacy preferences, you may (a) send TiVo a signed written request at the address set forth in Section 8.3, or (b) call us at 1-877-367-8486 to request a change. NOTE: Please see Sections 2.7, 2.8, and 2.9 above for important provisions if you have a TiVo DVR eligible to receive the TiVo Basic service and if you have multiple TiVo DVRs.

4.2    Review and Update of Account Information. We believe you have a right to know your Contact Information, billing information, and privacy preferences collected and stored by TiVo and to update or change such information you believe is incorrect. You may make a request by telephone, mail, or via the web (if and when available) to review such information and we will mail you a printout of such information. If you request that certain parts of such information be changed, we will make the changes to the extent commercially practicable. In addition, we will take commercially reasonable steps to propagate those changes to Third Parties with whom we may have shared such information pursuant to this Privacy Policy.

4.3    How to Delete Information. Should you decide to discontinue your TiVo Plus service, you may make that request by telephone or mail and we will suspend billing for the TiVo Plus service. After you discontinue the TiVo service, TiVo will maintain your Account Information only as long as necessary for business purposes. In addition, although we delete your Account Information from our "live" database, your Account Information may remain in our archives and records until they are destroyed. NOTE: If your TiVo DVR is eligible to receive the TiVo Basic service then upon termination of the TiVo Plus service you may elect to continue receiving the TiVo Basic service. In such a case, TiVo may maintain your TiVo Plus service Account Information until such time as your TiVo Basic service is terminated. Consult your User's Guide to determine if your TiVo DVR is eligible to receive the TiVo Basic service.

5.      Comment Regarding Children.

TiVo feels strongly about protecting the privacy of children and encourages parents to be involved in the television viewing of their minor children by, for example, limiting the types of content minor children can watch.

6.      Separate Rules for the TiVo Web Site.

We have a separate privacy policy that covers activities on our web site. However, if you register for TiVo service on the Web, or log in to your account preferences page (when available) to make changes to your account or request services, this Privacy Policy will apply to the User Information you provide to us in those instances. If you use the TiVo web site to access certain features or services such as Online Scheduling, we may institute amendments and modifications to this Privacy Policy addressing the handling of your information in providing you such features or services to which you must agree if you wish to use such features or services.

7.      Home Network Applications.

TiVo DVRs connected to a home network may be able to discover Third Party applications on your personal computer or other network servers that can be accessed on your DVR. These applications are identified on the TiVo menu with a computer icon and may not conform to TiVo's privacy policy. You understand and acknowledge that TiVo is not responsible for any such Third Party applications you choose to access. We caution you not to enter any personal or sensitive information (such as social security or credit card numbers) while using an application unless you have verified it is from a source that you trust.

8.      Security of User Information.

When you contact us by e-mail or phone regarding your TiVo service, we ask you for certain Account Information-in order to verify your identity-before accepting requests to make changes to your TiVo service. We take these steps to ensure that only you or a household member who knows your Account Information will be able to access or change your User Information.

TiVo uses industry-standard methods such as encryption to secure the communication of viewing information from your TiVo DVR to TiVo. In addition, TiVo uses industry-standard methods of securing its databases of User Information, including the use of firewalls. Except as provided elsewhere in this Privacy Policy, TiVo limits access to User Information databases to those persons in the TiVo organization who have a business need for such access, including servicing your account, informing you of service news and special TiVo offers, or aggregating Account Information or Anonymous Viewing Information for the purpose of conducting research, and targeting new users. However, you should know that no company, including TiVo, can fully eliminate security risks associated with User Information.

 

9.      General

9.1    Future Features, Services, and Amendments to this Privacy Policy. We may add to or upgrade the TiVo service to provide you with new features on an ongoing basis. We may also make available new services in the future. New services will be governed by the privacy policies of the respective service provider. To the extent that any new features or services may require amendments to this Privacy Policy to describe the treatment of User Information, these amendments are effective upon notice to you. In the event that we make a substantial and material change to our treatment of User Information, such as a change in the way that we collect, use, or disclose Personally Identifiable Viewing Information, we will notify you of such planned change and offer you the opportunity to alter your privacy preferences.

9.2    Technical Problems. Even though TiVo has taken significant steps to ensure that your User Information is never collected, used, or disclosed by TiVo except as set forth by this Privacy Policy, technical mistakes are possible. If such a mistake takes place, we will take commercially reasonable steps to correct it.

9.3    Contact TiVo. Our intention is to be diligent in protecting your privacy by strictly following our Privacy Policy. If you would like to make suggestions or find out more about our privacy practices, please call us at 1-877-367-8486 or send us a letter.

Our mailing address is TiVo Inc., ATTN: Privacy Policy, 2160 Gold Street, P.O. Box 2160, Alviso CA 95002-2160.

9.4    Entire Agreement. The term "including" in this Privacy Policy shall mean "including without limitation." This Privacy Policy supplements and is incorporated into the TiVo Basic Service Agreement, the TiVo Plus Service Agreement, and any other TiVo service Agreements. This Privacy Policy constitutes the entire agreement, and replaces and supersedes all prior agreements, between you and TiVo concerning the subject matter discussed in this Privacy Policy. Use of your TiVo DVR with TiVo service will signify your acceptance of this Privacy Policy.

BY USING THE TIVO SERVICE, I REPRESENT THAT I HAVE READ AND UNDERSTOOD THIS ENTIRE PRIVACY POLICY AND I AGREE TO ALL THE TERMS OF THIS PRIVACY POLICY AS STATED ABOVE.

 

 

TiVo Service Privacy Policy v20060501

Related Links

Win TiVo!
TiVo Web Specials
Legal NoticesPrivacy Policy



Collaborative Divorce Softens Sting of Split

Courtesy Pay Abusers Pay the Price

Watch for Disclosure Signs at Checkout

Wealth-Building Strategies That Anyone Can Master

Financial Elderly Abuse: Do You Know the Signs?

Before You Stop Automated Payments

Budget for Your Pet's Life-Long Care

Make a Will to Have the Last Word

Take Time to Pick a Computer for College

Disaster-Proof Your Important Papers

Debit Card Debate: Check-Out Line Dilemma Reveals Real Differences

Who Pays for Hospice Care?

The Down-Payment Debate: Can You Afford No or Low Down Payments?

Grandparents Pitch in With Financial Help

Introducing the Roth 401(k)--A New Workplace Savings Opportunity

Future Grads: Consolidate Loans Before Summer

Credit/Debit Cards, Checking Accounts, Teach Teenagers to Handle Money

Pension Participants: Expand Retirement Savings for Future Security

Ten Resolutions to Trim Spending and Reduce Financial Stress

Preparation Softens Blow of Alternative Minimum Tax

A Long, Cold Winter? Simple Energy Projects Can Save You a Bundle

Health-Care Flex-Spending Accounts Get More Flexible

Protect Your Assets With a Trust Agreement

"Remarried, With Children" Brings Special Financial Challenges

Fast Fact: Advance Directive Q & A

Upping the Ante: Stakes Are High for Young Adults Playing Poker

Suddenly Solo--Life After Losing a Mate

What Bankruptcy Reform Means to You

Choose the Right Cell Phone for You

Online Banking Makes Money Management Simple and Safe

Desktop or Laptop--What's Right for You?

How to Keep Your Job When You Become Ill

Shalt Thou Buy? See If a DVR (Digital Video Recorder) Is Right for You

Back to School: Plan Your Budget

Savvy Shoppers Know "Minimum Advertised Price" Isn't Always the Bottom Line

Health Savings Accounts:
First Aid for Health-Care Bills?


Back to the 1970s? Inflation Outlook

Prenups Clarify "Yours, Mine, and Ours"

Design an IRA Strategy That's Right for You

Personal Property Appraisers Distinguish Between Trash and Treasure

Preventive Health Care: An Ounce of Prevention

Is Your TV Set to Go Digital?

Birth of a Consumer: How to Teach Your Preschooler About Money

Trusts: Securing the Financial Future for Special Needs Adults

Farmers and Consumers Connect Through Community Supported Agriculture

High Cost of Health Care Robbing Retirement

Going Solo With Health Insurance

Tax Time: Early Birds Catch a Breather

Tsunami Relief: Be an Informed Donor

Now's the Time to Max Out Flex Spending

We Love Our Debit Cards

Gift Cards Keep Giving--But Not Always to You

Type by Talking--The Scoop on Voice Recognition Software

Check 21 Speeds Checking, Sinks Your Float

Use Direct Deposit and Automatic Transfers to Simplify Finances

Making Financial Room for Baby

Teaching Young Children About Money

Staying Safe at the Cash Machine

Disaster-Proof Your Important Papers

Launch of New Home & Family Finance Radio Initiative

Tips for choosing benefits during open enrollment

Middle class families in financial bind

Disaster preparedness: Tips for keeping cash on hand

Preparation means peace of mind

Some habits save hundreds on energy bill

CUNA launches weekly consumer finance radio show

Weave money lessons into daily routine

September is national preparedness month

Online banking: Know the answers or get locked out

Who will manage your assets when you can't?

Use back-to-school shopping as teachable moment

Be proactive in curbing health care costs

Financial notebook provides road map, peace of mind

Tips for using plastic overseas

Sales tax holiday catches on

Consumers fork out $16 billion for extended warranties

Keep a lid on summer cooling costs

More than $60 billion just waiting to be claimed

Credit counseling--via phone or face-to-face--helps debtors

Majority of Gen X women in debt, lack investments

Keep a lid on summer energy costs

Government website offers free 'My Money' tool kit

Can't find that file? Try these simple alternatives

Using online bill-pay helps prevent ID theft

Good debt/bad debt 101

Tips for merging money with your mate

Consumer website calculates cost of payday loans

It's Financial Literacy Month: Can you pass the test?

Money and marriage: Talk to ease the tension

Five financial tips for college grads

Prepaid options critical, but costly, for unbanked consumers

Survey        Privacy Policy/Disclosures        Site Map         Contact Us       Home

© 2004 HEW Federal Credit Union. All rights reserved.
HEW Federal Credit Union is federally insured by the National Credit Union Administration.

Designed & Powered by Cambium Group, LLC