Privacy Policy

FACTS

WHAT DOES VALLEY CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

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.

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 and income

• Account balances and payment history

• Credit history and credit scores

When you are no longer our member, we continue to share your information as described in this notice.

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 Valley Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Valley 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

For our marketing purposes — to offer our products and services to you

For joint marketing with other financial companies

For our affiliates’ everyday business purposes — information about your transactions and experiences

For our affiliates’ everyday business purposes — information about your creditworthiness

For nonaffiliates to market to you

What we do

How does Valley 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 Valley Credit Union collect my

personal information?

We collect your personal information, for example, when you

• Open an account or deposit money

• Pay your bills or apply for a loan

• Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law 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 nonaffiliates to market to you

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

Definitions

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• The Credit Union does not share with affiliates.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• The Credit Union does not share with non-affiliates.

A formal agreement between nonaffiliated financial companies that

together market financial products or services to you.

• Financial companies include such companies as CUNA Mutual

To limit our sharing

• Please call 256-381-4800

Please Note: If you are a new member, we can begin sharing your information 7 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call 256-381-4800