Our Privacy Notice
Vibrant Credit Union | P.O. Box 1550, Moline, IL, 61266-1550 | 800-323-5109
Revised August 2024
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Download a PDF of our privacy policy.
What does Vibrant Credit Union do with your personal information?
FACTS
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 accounts, products, or services you have with us. This information can include:
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Name, address, Social Security Number, and income
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Account balances and payment history
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Credit history and credit scores
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 choose to share; and whether you can limit this sharing.
FACTS | What does Vibrant do? |
|---|---|
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. |
What? | The types of personal information we collect and share depend upon the accounts, products, and services you have with us. This information can include:
|
Why? | Financial companies choose how they use 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. |
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 the account(s) you have with us, respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes — to offer 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
Yes
No
For our affiliates' everyday business purposes — information about your creditworthiness
No
We do not share
For our affiliates to market to you
Yes
Yes
For our non-affiliates to market to you
Yes
Yes
To limit our sharing
Contact us here.
Please note: If you are a new member, we can begin sharing your information thirty (30) days from the date we sent you this notice. When you are no longer our member, 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 us at 800-323-5109 or contact us.
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, secured files and buildings, procedural safeguards, and safe record storage. We will continue to review and modify our security controls in the future to deal with changes in products, services, and technology.
How does Vibrant Credit Union collect my personal information?
We collect your personal information, for example when you
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Apply for an account
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apply for a loan
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use your credit or debit card
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pay your bills
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make deposits to or withdrawals from the accounts you have with us.
We also collect your personal information from others, including credit bureaus or other companies.
Why can't I limit all sharing?
Federal law only gives you the right to limit
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sharing for affiliates' everyday business purposes—information about your creditworthiness
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affiliates from using your information to market to you
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sharing for non-affiliates 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 choice will apply to everyone on the account you have with us—unless you tell us otherwise.
Definitions
Affiliates
Companies related by common ownership or control.
They can be financial and nonfinancial companies that include the following:
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Investment service providers
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Food and beverage service providers
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Clothing and merchandise companies
Non-affiliates
Companies not related by common ownership or control.
They can be financial and nonfinancial companies that include the following:
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Equipment manufacturing companies
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Equipment dealers and sales companies
Joint marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our marketing partners include:
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Investment companies
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Insurance companies
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Mortgage companies
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Credit card issuers and services
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Other financial services providers
Additional Privacy Information
Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties not required for our everyday business purposes except when explicitly authorized by the subscriber.