Your Privacy Matters to Us 

Viriva Community Credit Union, your member owned fi nancial institution, is committed to providing you fi nancial products and services to meet your needs and reach your fi nancial goals. References to “we”, “us” and “our” refer to Viriva Community Credit Union. References to “you” shall mean members of Viriva Community Credit Union. We are equally committed to protecting our members’ privacy. You can be confi dent that your fi nancial privacy is a priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal fi nancial information. If you have any questions, please contact a Viriva Phone Center representative at (215) 333-1201.

Information We Collect And Disclose About You

We collect non-public personal information about you from the following sources:

• Information we receive from you on applications and other forms;
• Information about your transactions with us, our affi liates, or others;
• Information we receive from a consumer reporting agency;
• Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers, or from other institutions where you conduct fi nancial transactions.

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf, to affi liates, or to other fi nancial institutions with whom we have joint marketing agreements. To protect our members privacy, we only work with companies that agree to maintain strong confi dentiality protections and limit the use of information we provide. We do not permit these companies to sell the member information we provide to other third parties.

In order to conduct the business of the credit union we may also disclose non-public personal information about you under other 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 fi nancial records.

If you terminate your membership with the Credit Union we will not share information we have collected about you, except as permitted or required by law.

Fair Credit Reporting Act Disclosure

We are also required to advise you of our disclosure policy under the Fair Credit Reporting Act, which governs the sharing of information that may impact upon you for certain purposes such as credit, collections and insurance. We learn information about you from our experience with you and from information provided by others, such as through credit reports. The Fair Credit Reporting Act permits us and we do share information from our experience with you with others, including the credit reporting agencies. The Fair Credit Reporting Act permits us to share information we learn from others unless you direct us otherwise. If we elect to share information about you we learn from others for a purpose under the Fair Credit Reporting Act, we will give you a separate notice of our intention to do so and the right to direct us not to share the information.

How We Protect Your Information

We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.