Business Model

1. What This Website Is

niccoinc.org is an independent informational website created to provide educational information about HarborOne Credit Union's online and mobile banking services.

Our Purpose:

• Provide educational information about HarborOne's digital banking services
• Offer general information about online and mobile banking concepts
• Collect inquiries from individuals interested in learning more
• Provide information to help users understand digital banking options

2. What This Website Is NOT

It's important to understand what we do NOT do:

• We are NOT HarborOne Credit Union - We are not affiliated with, endorsed by, or operated by HarborOne Credit Union
• We do NOT provide banking services - We do not open accounts, process transactions, or provide any banking services directly
• We do NOT provide financial advice - We provide information only, not professional financial consultation
• We do NOT handle money - We do not process payments, deposits, or any financial transactions
• We do NOT access accounts - We cannot access, view, or manage any banking accounts

3. How Our Website Works

3.1 Information Provision

We provide educational content about:

• Features of online banking
• Benefits of mobile banking
• Security measures in digital banking
• General banking concepts and services

3.2 Lead Generation

Our primary business function is lead generation:

• Visitors can submit contact forms expressing interest in HarborOne banking services
• We collect basic contact information (name, email, phone number)
• We use this information exclusively to respond to inquiries and provide information
• We may connect interested individuals with appropriate banking service representatives

3.3 Information Flow

When you submit a contact form:

1. Your information is securely transmitted to our email system
2. We review your inquiry
3. We respond with relevant information about HarborOne banking services
4. If you're interested in opening an account or using services, we may provide contact information for HarborOne Credit Union or authorized representatives

4. How We Use Your Information

We use the information you provide solely for:

• Responding to your inquiries - Answering general questions about banking services
• Providing information - Sending educational information about HarborOne services
• Improving our service - Understanding what information visitors are seeking

For complete details, see our Privacy Policy.

5. Revenue Model

Our website may generate revenue through:

5.1 Referral Arrangements

We may have referral arrangements where we receive compensation for connecting interested individuals with banking services. Any such arrangements:

• Do not affect the information we provide
• Do not influence the terms or conditions offered to you
• Do not result in any additional cost to you
• Are disclosed transparently

5.2 No Hidden Fees

There is no cost to you for using this website or submitting inquiries. Any banking services you ultimately choose to use will be subject to the terms and conditions of the financial institution providing those services.

6. Our Relationship with HarborOne Credit Union

Important Clarification:

• We are an independent informational website
• We are not owned, operated, or controlled by HarborOne Credit Union
• We are not endorsed or sponsored by HarborOne Credit Union
• We provide information about HarborOne services, but we are not HarborOne

For official HarborOne Credit Union services, terms, and conditions, you must contact HarborOne directly through their official channels.

7. Quality and Accuracy of Information

We strive to provide accurate and up-to-date information, but:

• Information is based on publicly available sources
• Banking services, terms, and conditions may change without notice to us
• We cannot guarantee the accuracy or completeness of all information
• You should always verify information with HarborOne Credit Union directly

See our Disclaimer for complete details.

8. Data Security

We take data security seriously:

• We use SSL encryption for data transmission
• We implement industry-standard security measures
• We limit access to personal information
• We do not collect sensitive financial data (account numbers, SSN, passwords)

However, we only collect basic contact information. For actual banking services, you will work directly with HarborOne Credit Union, which has its own comprehensive security measures.

9. Compliance and Regulations

Our website operates in compliance with:

• Applicable advertising regulations
• Data protection and privacy laws
• Consumer protection regulations
• Truth in advertising standards

We do not:

• Make misleading claims
• Guarantee approval for banking services
• Promise specific rates or terms
• Misrepresent our relationship with HarborOne Credit Union

10. Your Rights and Choices

You have the right to:

• Choose whether to provide your information
• Request deletion of your information
• Opt out of communications at any time
• Access the information we have about you
• Correct inaccurate information

To exercise these rights, contact us at contact@niccoinc.org.

11. Changes to Our Business Model

We may update our business model from time to time. Any material changes will be reflected on this page with an updated "Last Updated" date.

We encourage you to review this page periodically to stay informed about how we operate.

12. Questions or Concerns

If you have any questions about our business model, how we operate, or how we use your information, please don't hesitate to contact us:

• Email: contact@niccoinc.org
• Phone: +1 281-732-1804

We're committed to transparency and will be happy to answer any questions you may have.