Privacy.

Privacy

Facts: What does Vibrant 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 account balances
  • Account transactions and payment history
  • Assets and checking account information

How?

All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information, the reasons Vibrant Credit Union chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information

Does Vibrant Credit Union 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

Yes

For joint marketing with other financial companies

Yes

Yes

For our affiliates' everyday business purposes information about your transactions and experiences

No

We don't share

For our affiliates' everyday business purposes information about your creditworthiness

No

We don't share

For our affiliates to market to you

Yes

Yes

For non-affiliates to market to you

No

We don't share

To limit our sharing:

  • You may call us toll-free at 800-323-5109 and tell us your intentions
  • Complete the online privacy opt out form.

Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call 800-323-5109 or contact us online

Who we are

Who is providing this notice?

Vibrant Credit Union

 

What we do

How does Vibrant 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 access to information about you to those employees who need to know that information to provide products or services to you.

How does Vibrant 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 credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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- unless you tell us otherwise.

 

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

Our affiliates include companies with a common corporate identity of Vibrant Credit Union, financial companies such as Vibrant Investment Services, with investments and services through CUSO Financial Services, L.P. (CFS) and Your Insurance Services LLC. Clients with CFS accounts will receive a separate privacy policy statement from CFS or its clearing firm, Pershing LLC.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

Vibrant Credit Union does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Our joint marketing partners may include companies that offer credit cards, insurance or investment products.