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Privacy Policy - Valex Federal Credit Union

VALEX FEDERAL CREDIT UNION

 

Privacy Disclosure

Valex Federal Credit Union is committed to meeting all your financial needs. To do so, we are sometimes required to share information about you with others in order to complete your transactions or to provide certain financial opportunities. To protect your privacy, we have always limited the use of information we provide and only shared information with companies that agree to maintain your privacy. These companies are also prohibited from sharing your information we give them with other third parties.

Your financial privacy and confidence have always been and will always remain very important to every employee of Valex Federal Credit Union. As required by law, this notice explains how we collect, use and safeguard your personal financial information. If after reading this notice you have questions, please contact us at (318) 443-1200.

FACTS

WHAT DOES VALEX FEDERAL 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
  • CREDIT CARD OR OTHER DEBT AND CREDIT HISTORY
  • PAYMENT 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 CUSTOMERS' PERSONAL INFORMATION TO RUN THEIR EVERYDAY BUSINESS. IN THE SECTION BELOW, WE LIST THE REASONS FINANCIAL COMPANIES CAN SHARE THEIR CUSTOMERS' PERSONAL INFORMATION, THE REASONS VALEX FEDERAL CREDIT UNION CHOOSES TO SHARE, AND WHETHER YOU CAN LIMIT THIS SHARING.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION

DOES THE 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

YES

NO

FOR OUR MARKETING PURPOSES - TO OFFER OUR PRODUCTS AND SERVICES TO YOU

YES

NO

FOR JOINT MARKETING WITH OTHER FINANCIAL COMPANIES

NO

WE DON'T SHARE

FOR OUR AFFILIATES' EVERYDAY BUSINESS PURPOSES - INFORMATION ABOUT YOUR TRANSACTIONS AND EXPERIENCES

NO

WE DON'T SHARE

FOR OUR AFFILIATES' EVERYDAY BUSINESS PURPOSES - INFORMATION ABOUT YOUR CREDITWORTHINESS

NO

WE DON'T SHARE

FOR NON-AFFILIATES TO MARKET TO YOU

NO

WE DON'T SHARE

QUESTIONS?

CALL (318) 443-1200

WHAT WE DO

HOW DOES VALEX FEDERAL 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 VALEX FEDERAL CREDIT UNION COLLECT MY PERSONAL INFORMATION?

WE COLLECT YOUR PERSONAL INFORMATION, FOR EXAMPLE, WHEN YOU

  • OPEN AN ACCOUNT OR SHOW YOUR GOVERNMENT-ISSUED ID
  • GIVE US YOUR CONTACT INFORMATION OR APPLY FOR FINANCING
  • SHOW YOUR DRIVER’S LICENSE

IN ADDITION, WE MAY COLLECT INFORMATION REGARDING YOUR MOBILE DEVICE SUCH AS DEVICE SETTINGS, UNIQUE DEVICE IDENTIFIERS, INFORMATION ABOUT YOUR LOCATION, AND ANALYTICAL INFORMATION THAT MAY ASSIST WITH DIAGNOSTICS AND PERFORMANCE. FOR YOUR CONVENIENCE, YOU MAY BE ASKED TO GRANT PERMISSION FOR ACCESS TO YOUR MOBILE DEVICE'S GEOLOCATION DATA. THIS INFORMATION MAY BE COLLECTED WHEN YOU USE CERTAIN SERVICES THAT ARE DEPENDENT ON YOUR MOBILE DEVICE’S LOCATION (SUCH AS THE LOCATION OF AN ATM OR IN STORE TRANSACTIONS).

WE ALSO COLLECT YOUR PERSONAL INFORMATION FROM OTHERS, SUCH AS CREDIT BUREAUS, AFFILIATES, OR OTHERS.

 

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 NON-AFFILIATES TO MARKET TO YOU

STATE LAWS AND INDIVIDUAL COMPANIES MAY GIVE YOU ADDITIONAL RIGHTS TO LIMIT SHARING.

DEFINITIONS

AFFILIATES

COMPANIES RELATED BY COMMON OWNERSHIP OR CONTROL. THEY CAN BE FINANCIAL AND NON-FINANCIAL COMPANIES.

  • VALEX FEDERAL CREDIT UNION HAS NO AFFILIATES.

NON-AFFILIATES

COMPANIES NOT RELATED BY COMMON OWNERSHIP OR CONTROL. THEY CAN BE FINANCIAL AND NON-FINANCIAL COMPANIES.

  • VALEX FEDERAL CREDIT UNION DOES NOT SHARE WITH NON-AFFILIATES SO THEY CAN MARKET TO YOU.

JOINT MARKETING

A FORMAL AGREEMENT BETWEEN NON-AFFILIATED FINANCIAL COMPANIES THAT TOGETHER MARKET FINANCIAL PRODUCTS OR SERVICES TO YOU.

  • VALEX FEDERAL CREDIT UNION DOESN’T JOINTLY MARKET.

WHAT OUR MEMBERS SAY

See why our Members love being a part of VALEX Federal Credit Union

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