Serving your needs and protecting your personal information are priorities for Virginia CU Realty, LLC (referenced herein as “Virginia CU Realty,” “we” or “us”). This notice describes the privacy and data security practices followed by Virginia CU Realty and explains what types of information we collect, under what circumstances it may be shared and what choices you have regarding how it is shared.
INFORMATION WE COLLECT
We collect personal information that is necessary to enable us to establish and to provide services, in each case, as permitted or required by applicable law. The personal information we collect varies depending on the services you request and use.
We may collect and (as described below) disclose nonpublic personal information about you that we obtain from the following sources:
•Information we receive from you on applications and other forms;
•Information about your transactions with us, our affiliates, or others;
•Information we receive from consumer-reporting agencies.
INFORMATION WE SHARE
We do not sell or provide personal information to third parties for telemarketing or any other independent use.
Third Party Vendors. To offer you products and services that help you achieve your financial goals, we may, however, share information with our affiliates and selected companies with which we contract in order for them to provide services on our behalf.
To protect your privacy, we work only with third party vendors that contractually agree to (a) maintain strong confidentiality protections; (b) limit their use of any personal information to which they have access to those functions that are necessary to perform the services that we have contracted with them to provide; and (c) agree that they will not sell to other third parties the information we provide to them.
Such affiliated companies may include, but are not limited to, financial service providers, title insurers, and property and casualty insurers.
Nonaffiliated Third Parties. We do not share your personal information with nonaffiliated third parties that are not third party vendors (as described above).
Information of Former Customers. If you are no longer a customer of Virginia CU Realty or its affiliates, we will not share information we have collected about you, except as permitted or required by law.
Sharing of Information as Permitted by Law. We also may share information about you in other ways as required by law or as permitted to properly manage our business.
HOW WE PROTECT YOUR INFORMATION
We restrict access to your personal information to those employees who have a business purpose in utilizing your data. To protect your nonpublic personal information, we maintain physical, electronic and procedural safeguards that comply with federal regulations and leading industry practices and we also require third party vendors working for us to protect your information.
Online communication/Internet users. Regular e-mails you may send to us are not secure against interception by unauthorized individuals. Therefore, we ask that you not send nonpublic personal information, especially social security numbers, through regular e-mail. Likewise, we will not transmit through regular e-mail sensitive or nonpublic personal information that can compromise or violate a user’s privacy.
We use Internet cookies to facilitate your use of the Virginia CU Realty web site. A cookie is a data file that a web server places on your computer when you visit a site that, among other things, enables the site to recognize repeat visits from that computer and to display settings that you have previously selected through that computer. To take full advantage of the features and level of security that the Virginia CU Realty web site offers, your Internet browser must meet certain requirements, such as supporting 128 bit encryption, and being set to allow our servers to create a cookie on your system.
Limiting Information we use for Marketing. We do not release your personal information to affiliates for purposes of marketing. If you establish a direct relationship with one of our affiliates, they may market to you directly – and you may address any requests to cease such marketing directly to such affiliates. Otherwise, to the extent that you receive any marketing materials relating to our affiliates’ services, such communications come directly from Virginia CU Realty and you may exercise your opt-out rights as discussed below.
E-mail Communication Opt Out. We may periodically send educational and informational e-mails about our products and services, or those of our affiliates, to customers for whom we have recorded e-mail addresses. All customers who receive these e-mails have the opportunity to opt out of this service at any time by sending the request to firstname.lastname@example.org
How to Exercise your Privacy Choice. You may also exercise any of the above-listed choices to opt out by contacting us by e-mail at email@example.com, phone, fax or U.S. mail.
Virginia CU Realty, LLC
P.O. Box 90010
Richmond, VA 23225-9010
LINKS TO OTHER WEB SITES
Our web site contains links to other web sites that may be of interest to you. We provide these links as a service to you and are not liable for the content or policies of any of these third party web sites. When you leave the Virginia CU Realty web site to visit a third party web site, Virginia CU Realty’s policies no longer apply. Accordingly, you should review any privacy policies posted on other web sites you visit to ensure that you understand and agree to their terms.
Please contact us if you have any questions about this statement or if we can help you in any way at firstname.lastname@example.org.
Realty services are offered through Virginia CU Realty, LLC, an affiliate of Virginia Credit Union (VACU). VACU may receive a financial or other benefit because VACU, through Virginia Credit Union Financial Services, LLC, has an ownership interest in Virginia CU Realty, LLC. Licensed in VA only. Business conducted with Virginia CU Realty, LLC is separate and distinct from any business with VACU.