Serving your needs and protecting your personal information are priorities for Virginia Credit Union (referenced herein as "Virginia Credit Union," "we," "us" or "our").
For purposes of this Policy, "online" means utilization of an internet communication protocol to view, display, access, receive or transmit information. This Policy covers all our online practices, including, but not limited to our VACU.org website, our Online Banking service, and our Mobile Banking service. Our separate Privacy Notice, along with this Policy, describes the privacy and data security practices that we follow.
Cookies are pieces of data stored by your Web browser that are useful for expediting page loads or enhancing your online experience when you return to a website.
Please contact us if you have any questions, comments, or concerns about the accessibility of any page on our website.
When you are simply viewing our website, we do not collect or retain any personal or identifiable information. However, for security purposes, and to respond to or fulfill your requests, we will collect and retain personal or identifiable information when you submit such to us, transact with us, or we provide you with access to your online account information.
We do collect non-identifying information for internal statistical purposes whenever you visit our website. This statistical information is collected in an effort to better enrich the online experience of our visitors, to assess what information is most and least important to our visitors, to analyze the effectiveness of our ads, and for determining whether our content and/or its presentment is useful and relevant to visitors of our website.
Whenever you submit information to us using methods we make available to you on our website, we protect your information using administrative and technical processes along with strong industry standard encryption recommended for financial institutions. There is a serious risk that your information could be intercepted if you send information using a method outside of our website, such as sending an email from your home email server or posting a message to us through a social media website. To send us a secure message, you should only use the method provided on our Contact Us web page, or through our encrypted email service when instructed by us, or the method provided after logging on to our Online or Mobile Banking services.
For a full description of security measurements for transacting with us online and for specific browser requirements, please refer to our Online Banking Agreement and Electronic Funds Transfer Disclosure. For information regarding the use of our Mobile Banking Services, please refer to our Mobile Banking Services Addendum.
If your email address or a phone number for receiving text messages is on record with us, we may periodically send you educational or informational communication about products, services or events that we believe may interest you. Instructions for how you can stop or unsubscribe from receiving these messages are included in each communication that we send. However, we will still communicate with you in connection with servicing your account, fulfilling your request or about any promotion, service or program in which you have elected to participate.
Unless verifiable consent acceptable to us is obtained from a parent or legal guardian, we do not knowingly collect, maintain or use personal information obtained from our website about children under 13 years of age. We are not responsible for the data collection or use practices of any party to which our website may link. For more information about the Children's Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website, www.ftc.gov.
We are not responsible for the content, practices or policies of any other party or any non-VACU website you visit, including any social media sites in which we display information, or any website whose link appears within our website, and regardless of any affiliation we may share with any other entity. Before providing any personal or identifiable information, you should first review the policies of any website you are visiting. The fact that there is a link between our website and that of another website does not represent an endorsement by us of the content and any product, service, or program contained on any other website. Ads we place on other websites may contain a "tag," which is a code that tells us that our ad was reviewed at the sponsoring website. Tags do not contain personal or identifiable information and are only a marketing tool for measuring the effectiveness of placing our ads on other websites.
Material changes to this Policy and updated versions of the VACU Privacy Notice will be posted on the Virginia Credit Union website. This Policy was last updated May 2018.
When you are no longer our member, we continue to share your information as described in this notice.
We also collect information from others such as credit bureaus, affiliates or other companies
State laws and individual companies may give you additional rights to limit sharing.
For California residents: We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with California privacy laws that apply to us. If you are a California resident, please use this link to submit your request for details on how your personal information is used.
This notice supersedes all prior privacy notices.