Privacy Policy and Disclosures

Privacy Policy and Prior Consent Notice

 


FACTS

WHAT DOES BOULDER VALLEY CREDIT UNION 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 Boulder Valley Credit Union's Privacy Policy.
 What?

The types of personal information we collect and share depend on the accounts or services you have with us. This information can include:

  • Social Security number, and income
  • Account balances and payment history
  • Credit history and transaction or loss history

When you are no longer our member, we will not share your information except as permitted or required by law as described in this notice.

 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 Boulder Valley Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Boulder Valley 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

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

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

No

No

 


Questions? 
Call (800) 783-8850 or 303-442-8850, or send us an email at info@bvcu.org or write to us at: Boulder Valley Credit Union, 5505 Arapahoe Ave, Boulder, CO 80302.

 Who we are

Who is providing this notice?

Boulder Valley Credit Union

 What we do

How does Boulder Valley 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.

How does Boulder Valley Credit Union collect my personal information?

We collect your personal information, for example, when you

    1. - open an account
  1. - apply for a loan
  2. - pay your bills
  3. - use your credit or debit card
  4. - make deposits to or withdrawals from your accounts

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 information sharing as follows:

  1. - sharing for affiliates’ everyday business purposes-information about your creditworthiness
  2. - affiliates from using your information to market to you
  3. - sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

 Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies such as indirect lending, investment companies and nonfinancial companies, such as our Association.    

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include: companies such as insurance companies, and direct marketing companies.

Joint marketing

A formal agreement between Boulder Valley Credit Union and a nonaffiliated financial company where we jointly market financial products or services to you. Our joint marketing partners include companies such as credit card companies.