Privacy Policy

FACTS WHAT DOES VAN CORTLANDT COOP 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
  • Account balance and Payment history
  • Transaction history and Loss history
  • Credit history

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 member’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member’s personal information; the reasons Van Cortlandt Coop FCU chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does VCCFCU 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
Yes
No
For our affiliates’ everyday business purposes –
information about your transactions and experiences
No
No
For our affiliates’ everyday business purposes—information about your creditworthiness
No
No
For nonaffiliates to market to you
Yes
Yes

 

Questions? Call 718-549-5858 or visit www.vccfcu.com

 

Who we are
Who is providing this notice? Van Cortlandt Coop FCU

 

What we do
How does Van Cortlandt Coop 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.We restrict employee access to personal information to a “need to know” basis.
How does Van Cortlandt Coop Federal Credit Union collect my personal information? We collect your personal information, for example, when you

  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your debit card or credit card
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 your account.

 

Definitions
Affiliates Companies related by common ownership or control. They can be
financial and nonfinancial companies.

  • Van Cortlandt Coop Federal Credit Union has no affiliates
Nonaffiliates Companies not related by common ownership or control. They can be
financial and nonfinancial companies.

  • Nonaffiliates we share with can include financial institutions,
    insurance companies, direct marketing companies,
    mortgage companies and nonprofit organizations.
Joint marketing A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.

  • Our joint marketing partners include insurance companies
    and credit card companies.