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Privacy Notice

Rev. 8/1/24

WHAT DOES VIRGINIA 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 employment information
  • Account balances and credit card or other debt
  • Credit history and payment history

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

How?All financial companies need to share members’ personal information to run their everyday businesses. In the section below, we list the reasons financial companies can share their members’ personal information, the reasons Virginia Federal Credit Union (“VACU” or “Virginia Credit Union”) chooses to share, and whether you can limit this sharing.

 

Reasons we can share your personal informationDoes Virginia 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 bureausYesNo
For our marketing purposes — to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes — information about your transactions and experiencesYesNo
For our affiliates’ everyday business purposes — information about your creditworthinessNoWe don't share
For our affiliates to market to youNoWe don't share
For nonaffiliates to market to youYesYes

 

To limit our sharingCall (800) 285-6609 — our menu will prompt you through your choice(s).
PLEASE NOTE:
If you are a new member, we can begin sharing your information 30 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 (804) 323-6800 or (800) 285-6609 or go to www.vacu.org

At Virginia Credit Union, we take every precaution to protect your personal information, and we encourage you to do the same. We will never solicit non-public information from you via text message or email. Should you receive these types of messages, please do not respond and notify us immediately. You may call us at (800) 285-6609.

Who we are 
Who is providing this notice?Virginia Credit Union

 

What we do 
How does Virginia 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 Virginia Credit Union collect my personal information?We collect your personal information, for example, when you:
  • Open an account or apply for a loan
  • Show your driver’s license or show your government-issued ID
  • Give us your income information

We also collect 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.

What happens when I limit sharing for an account I hold jointly with someone else?Your choices will apply to everyone on this account.

 

Definitions 
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include other companies such as Virginia CU Insurance Services, LLC; Joyner Fine Properties, LLC; and Virginia Statewide Title Services, LLC.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include insurance companies.
Joint marketingA formal agreement between nonaffiliated financial companies that, together, market financial products or services to you.
  • Our joint marketing partners include companies such as insurance and financial management.

 

Other important information
View our Online Privacy Notice at vacu.org/onlineprivacy
View our Mobile Banking Privacy Notice at vacu.org/mobileprivacy
For California residents: We will not share personal information with nonaffiliates — either for them to market to you or for joint marketing — without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with California privacy laws that apply to us. If you are a California resident, please use the form at vacu.org/ca to submit your request for details on how your personal information is used.
This notice supersedes all prior privacy notices.
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