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Village Credit Union
Privacy Notice
Village Credit Union is committed to
providing you with financial products and services to meet your needs and
help you reach your financial goals. We are required by law to give you
this privacy notice. If after reading this notice you have any questions,
please contact us at 515-243-4400.
What follows is a description of the
information we collect and disclose, including the parties who receive
nonpublic information from us as we conduct the business of the credit
union. This notice also explains your right to inform us if you do not
want us to disclose certain information about you to other parties.
Information We Collect About
You: We collect
information about you from the following sources:
1) Information we receive from you on
applications and other forms; 2) Information about your transactions with
us or others; 3) Information we receive from a credit reporting agency; 4)
Information obtained when verifying the information you provide on an
application or other forms. This may be obtained from your current or past
employers, or from other institutions where you conduct financial
transactions. We may disclose all of the information we collect, as
described above.
Parties Who Receive
Information from Us: We
may disclose nonpublic personal information about you to the following
types of third parties: 1) Financial companies, such as insurance
companies and mortgage service companies; and 2) Non-financial companies,
such as, consumer reporting agencies and retailers.
Disclosure of Information to
Parties that Provide Services to Us:
We may disclose all of the information we
collect, as described above to the companies that perform marketing or
other services on our behalf or to other financial institutions with whom
we have joint marketing agreements. We only work with companies who agree
to maintain strong confidentiality protections and limit the use of
information we provide. As a result of these arrangements, we may disclose
all of the information we collect, as described above. We may also
disclose information about you under other circumstances as permitted or
required by law. These disclosures typically include information to
process transactions on your behalf, conduct the operations of our credit
union, follow your instructions as you authorize or protect the security
of our financial records.
Disclosure of Information
About Former Members:
If you decide to terminate your membership with Village Credit Union, we
will not share information we have collected about you, except as may be
permitted or required by law.
How to Stop or "Opt Out" of
Certain Disclosures About You:
If you prefer that we do not disclose
nonpublic personal information about you to nonaffiliated third parties,
you may opt out of those disclosures, that is, you may direct us not to
make those disclosures (other than disclosures permitted by law). If you
wish to opt out of disclosures to nonaffiliated third parties, you may
complete the attached form and fax or mail it as instructed, or request a
form when you visit the credit union office. You may opt out of these
disclosures at any time. Once we receive your request, we have a
reasonable amount of time to stop the disclosures.
You may always contact us for
assistance if you wish to later revoke your opt out election:
Note that this opt out, by law, will not
apply to disclosures that are legally permitted or to disclosures we make
to companies that perform services on our behalf or to other financial
institutions which we endorse and that have joint marketing agreements
with us.
How We Protect Your
Information: We
restrict access to nonpublic personal information about you to those
employees who need to know that information to provide products or
services to you. We maintain physical, electronic, and procedural
safeguards that comply with federal regulations to guard your nonpublic
personal information.
What Members Can Do to Help:
Village Credit Union is
committed to protecting the privacy of its members. Members can help by
following these simple guidelines:
• Protect your account numbers, card
numbers, PINs (personal identification numbers) and passwords. Never keep
your PIN with your debit or credit card which can provide free access to
your accounts if your card is lost or stolen.
• Use caution when disclosing your
account numbers, social security numbers, etc. to other persons. If
someone calls you, explains the call is on behalf of the credit union and
asks for your account number, you should beware. Official credit union
staff will have access to your information and will not need to ask for
it.
• Keep your information with us current.
It is important that we have current information on how to reach you. If
we detect potentially fraudulent or unauthorized activity or use of an
account, we will attempt to contact you immediately. If your address or
phone number changes, please let us know.
• Let us know if you have questions.
Please do not hesitate to call us - we are here to serve you!
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