Privacy Policy

FACTS

WHAT DOES VANDERBILT UNIVERSITY 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 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: Name, address, Social Security Number, and income Account balances and payment history 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 Vanderbilt Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Vanderbilt University 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 to 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	YES	NO
For our affiliates' everyday business purposes— information about your creditworthiness	NO	We don't share
For affiliates to market to you	YES	YES
For non-affiliates to market to you	NO	We don't share

To limit our sharing	Call (615) 922-2661 or click the Marketing Communications Opt-Out link below. 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 (615) 922-2661

Who We Are

Who is providing this notice?

Vanderbilt Credit Union.

What we do

How does Vanderbilt University 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 Vanderbilt University Credit Union collect my personal information?	We collect your personal information, for example, when you start an account apply for a loan use your credit or debit card pay your bills 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.
How does Vanderbilt Credit Union collect and utilize data with mobile banking applications for marketing purposes?	Our marketing tools collect the following information when using our mobile banking application in order to provide appropriate marketing campaign information: Location data is collected to provide location-based messages and interactions. A random User ID is generated upon initial app access and used later during each marketing tool interaction. The User ID is used for identifying the user and for sending campaign information. This User ID is unique for each device and changes every time the application is re-installed. Product Interaction is a marketing tool used to track user application entry, exit and pages viewed within the application. Our marketing tools will collect your first name for product personalization purposes. Background location data may be collected while the app is closed or not in use.
Why can't I limit all sharing?	Federal law only 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 law 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 the account you have with us.

Definitions

Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies such as Fortera CUSO Services, LLC, Fortera Insurance Agency LLC, and nonfinancial companies such as Fortefi, LLC.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Vanderbilt Credit Union does not share with non-affiliates so they can market to you, except under joint marketing agreements as noted below.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our marketing partners include: Investment companies Insurance companies Other financial service providers