Privacy Statement
External Links Disclaimer
Access to or use of the VIC FCU web site constitutes consent to the following terms. The VIC FCU web site provides links to other web sites for convenience and informational purposes only. Users should be aware that when they select a link on the VIC FCU web site to an external web site, they are leaving the VIC FCU site. Linked sites are not under the control of VIC FCU, and VIC FCU is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. VIC FCU is not responsible for any transmission received from a linked site. In addition, VIC FCU is not responsible for any web casting or any other form of transmission received from any linked site. The inclusion of a link does not imply endorsement by VIC FCU of the site, its content, advertisers or sponsors. External sites may contain information that is copyrighted with restrictions on reuse. Permission to use copyrighted materials must be obtained from the original source and cannot be obtained from VIC FCU. The terms of this disclaimer extend to VIC FCU, its directors, officers, volunteers, and employees.
Privacy Notice
Valley Isle Community Federal Credit Union, (VIC FCU), 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 annual 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 us as we conduct the business of the credit union. Our policy and practices have not changed.
If after reading this notice you have questions, please contact us at (808) 877-3232 or write to:
Valley Isle Community Federal Credit Union
160 Pa'ahana Street
Kahului, Hawaii 96732
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 an 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 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, financial statement publishers, plastic card processors, direct marketers and government agencies.
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 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. 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 VIC FCU, 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 and credit union officials 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
VIC FCU is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
- Protect your account numbers, plastic card numbers, PINs (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!
