| Valdosta Teachers' FEDERAL CREDIT UNION
PRIVACY
NOTICE AND DISCLOSURE
Valdosta Teachers'
Federal Credit Union, your member owned financial institution, is
committed to providing you with competitive products and services
to meet your financial needs and help you reach your goals. We are
equally committed to protecting the privacy of our members. Under
federal law, we are required to give you this privacy notice. It
describes our credit union’s privacy policy and practices
concerning the personal information we collect and disclose about
our members. It also includes information about the parties who
receive personal and sometimes nonpublic information from is as
we conduct the business of the credit union.
If after reading
this notice you have questions, please contact us at:
(229) 247-9930
or write to:
Valdosta Teachers' Federal
Credit Union
PO Box 5345
Valdosta, GA 31603-5345
Information
We Collect About You
We collect nonpublic personal information about you from the following
sources:
-
Information we receive from you on applications and other forms
-
Information about your transactions with us
-
Information we receive from a consumer reporting agency
-
Information obtained when verifying the information you provide
on a 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, as permitted
by law.
Parties
Who Receive Information From Us
We may disclose nonpublic personal information about you to the
following types of third parties:
-
Financial service providers, such as insurance companies, and
mortgage service companies
-
Non-financial companies, such as consumer reporting agencies,
data processors, check/share draft printers, plastic card processors,
direct marketers, government agencies, and legal auditing firm
Disclosure
of Information to Parties That Provide Services to Us
In order for us to conduct the business of the credit union, we
may disclose all of the information we collect, as described above,
to companies that perform marketing or other services on our behalf
or to other financial institutions with whom we have joint marketing
agreements so that we may provide members competitive products and
services. We may also disclose nonpublic personal information about
you under 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.
To protect our
members’ privacy, we only work with companies that agree to
maintain strong confidentiality protections and limit the use of
information we provide. We do not permit these companies to sell
the information we provide to other third parties.
Disclosure
of Information About Former Members
If you terminate your membership with Valdosta Teachers' Federal
Credit Union, we will not share information we have collected about
you, except as may be permitted or required by law.
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, or procedural
safeguards that comply with federal regulations to guard your nonpublic
personal information.
What
Members Can Do To Help
Valdosta Teachers' Federal Credit Union is committed to protecting
the privacy of its members. Members can help by following these
simple guidelines:
- Protect
your account numbers, plastic card numbers, PIN (personal identification
numbers) or passwords. Never keep your PIN with your 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 explaining 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. If your address or phone number changes,
please let us know. 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.
- Let us know
if you have questions. Please do not hesitate to call us-we are
here to serve you!
Access
to Third Party Sites / E-mail:
Links to other Web Sites and/or e-mail addresses are provided solely
as a convenience to our members and other customers. Valdosta Teachers'
Federal Credit Union has no control over these sites/addresses;
and the Credit Union shall have no responsibility or liability relating
to any access to such sites or communications between you and such
Third Parties. In addition, Third Parties are not covered by Valdosta
Teachers' Federal Credit Union's privacy or other policies; and
the Credit Union is not responsible for the privacy practices or
the content of Third Party Sites. Valdosta Teachers' FCU Web Site
may also contain links to other web sites owned, operated by, or
affiliated with the Credit Union ("Affiliated Sites").
Affiliated Sites are also not governed by Valdosta Teachers' FCU’s
privacy or other policies; and you are advised to review the privacy
statement applicable to each Affiliated Site you visit.
Products
/ Services Offered By Third Parties / Affiliates:
Any financial, investment, warranty, credit insurance or other products
or services (“products”) which are provided
by third parties or any affiliates are not products of Valdosta
Teachers' Federal Credit Union. If the purchase of same is facilitated
by or through Credit Union financing such is merely a convenience
to the borrower(s) and is in no way creates any contractual or other
relationship between the borrower(s) and the Credit Union with regard
to any such products. Any rights, obligations or claims with regard
to such products shall be solely and exclusively by and between
the party providing such products as may be set forth in any applicable
contracts, agreements or otherwise, and Valdosta Teachers' Federal
Credit Union shall have no obligations, responsibilities, duties,
or liabilities whatsoever regarding same. |
