Valley Wide of PA Federal Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority to everyone associated with Valley Wide of PA Federal Credit Union. We are required by law to give you this privacy notice. If after reading this notice you have any questions, please contact us at (724) 226-1664 or contact the credit union manager.

To ensure that you can rely on the quality of products and services we make available, the following describes the information we collect and disclose, including the parties who receive nonpublic information from us as we conduct the business of the credit union. This notice also explains your right to inform us if you do not want us to disclose certain information about you to other parties. To better serve you, our credit union stands behind the following privacy policy:

INFORMATION WE COLLECT ABOUT YOU
We collect information about you from the following sources:

§         Information we receive from you on application and other forms.

§         Information about your transactions with us or others.

INFORMATION WE RECEIVE FROM A CREDIT REPORTING AGENCY
Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.

We may disclose all of the information we collect, as described above.

PARTIES WHO RECEIVE INFORMATION FROM US
We may disclose nonpublic personal information about you to the following types of third parties:

Financial companies, such as insurance companies and mortgage service companies.

Non-financial companies such as, consumer reporting agencies and retailers.

Valley Wide of PA Federal Credit Union will only release your personal information as required by law or to conduct the normal business of the Credit Union. The Credit Union will not sell information to third parties.

DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US

We may disclose all of the information we collect, as described above to the companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. We only work with companies who agree to maintain strong confidentiality protections and limit the use of information we provide. As a result of these agreements, we may disclose all of the information we collect as described above. We may also disclose information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize or protect the security of our financial records.

DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS
If you decide to terminate your membership with Valley Wide of PA Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

HOW TO STOP OR "OPT OUT" OF CERTAIN DISCLOSURES ABOUT YOU
If you prefer that we do not disclose nonpublic personal information about you to nonaffiliated third parties, you may wish to opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may select one of the following:

Contact the credit union by phone (724) 226-1664 or notify in writing to:

Valley Wide of PA Federal Credit Union

209 East Fifth Avenue
Suite B

Tarentum, PA 15084

You may opt out of these disclosures at any time. Once we receive your request, we have a reasonable amount of time to stop the disclosures. You may always contact us for assistance if you wish to later revoke your opt out election.

Note that this opt out, by law, will not apply to disclosures that are legally permitted or to disclosures we make to companies that perform services on our behalf or other financial institutions which we endorse and that have joint marketing agreements with us.

HOW WE PROTECT YOUR INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

WHAT MEMBERS CAN DO TO HELP
Valley Wide of PA Federal Credit Union is committed to protecting the privacy of its members. For your part, follow these simple guidelines:

Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, social security number, you should beware. Official credit union staff will have access to your information and will not need to ask for it. Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.