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We, our, and us mean the credit union. This policy is meant for our members. Use of the words "you" and "your" refer to our members who have a continuing relationship with us by purchasing or holding financial products or services such as:
- Share Account
- Loan Account
- Credit Card Account
Valley Bell Credit Union
recognizes and understands the importance of protecting the personal
information of our members. We work diligently to ensure your information
is kept confidential. We have no intentions of selling your personal
information to third party businesses. This policy will explain how
we will use and protect your information. If there are other owners
on your account or co-borrowers on a loan, we suggest that you share
this information with them.
Definitions:
Non-public personal information means information we collect
about you in connection with providing a financial product or service
to you. Non-public personal information does not include information
that is available from public sources such as telephone directories
or government records. We use the term "information" to mean non-public
personal information as described.
An Affiliated company is a company we own or control.
A Non-affiliated third party is a person we do not employ
or a company we do not own. This is also known as "other party."
Type of Information We Collect:
We collect information about you from the following sources:
-
Information we receive from you on applications or other forms
- Information about your transactions with us
- Information about your transactions with other parties
- Information received from a consumer reporting agency
- Information we receive as a result of verifying member information
Confidentiality, Security,
and Integrity of Your Information
We restrict access to those employees who need to know that information
to provide products and services to you. We maintain safeguards to protect
this information and educate our employees on maintaining confidentiality.
Disclosing Information to Other Parties
We will not disclose your information to other parties except as disclosed
in this policy or as permitted by law. Examples of these might include
disclosures necessary to service your account or to prevent unauthorized
transactions. Authorized Joint Marketing Agreement and Your Information
We may enter into Joint Marketing Agreements with other parties for the
purpose of offering additional and worthwhile products and services for
our members. Examples of other parties in which we may enter into an agreement
are:
- Credit card companies
- Insurance companies
- Brokerage companies
We may disclose your information to other parties with whom we have a joint marketing agreement. Examples of information we may disclose are:
- Name
- Address
- Assets
- Information about your transactions with us such as:.
- Account balances
- Account transactions
- Types of accounts
- Payment history
- Deposit history
- Credit card usage
- Information we received from a credit reporting agency
You may block the disclosure
of your information to other parties.
Disclosure of Information of Former Members
We will not disclose information about former members except as permitted
by law.
Blocking Information Given to Other Parties
In this policy we have explained that we may disclose your information
for the purpose of offering additional products and services. If you do
not want us to disclose your information to other parties you can block
the release of certain information (opt out). Your decision to block the
disclosure of your information will apply to all information collected
from the products and services you have with us. If your account is jointly
owned, receipt of an "opt out" notice from any person on the account pertains
to all persons. We will cease in the disclosure of information on all
parties on an account. To exercise your option to "opt out," complete
the bottom section of the pdf linked below and return it to:
Valley Bell Credit Union
733 West Chicago Avenue
Elgin, Illinois 60123
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Do not share my information with non-affiliated third parties.
To opt out, click here to access the printable version (pdf) of this Privacy Statement. To exercise your option to "opt out," complete the bottom section of the pdf and return it to: Valley Bell Credit Union 733 West Chicago Avenue Elgin, Illinois 60123 |
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