Privacy Policy

Revised 11/2024

HVCU facts
FACTS	WHAT DOES HUDSON 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 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: Social Security Number and account balances Transaction history and payment history Credit history and credit card or other debt When you are no longer our member, we continue to share your information 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 the credit union chooses to share; and whether you can limit the sharing.

HVCU about
Reasons We Can Share Your Personal Information	Does Hudson Valley CU Share?	Can You Limit This Sharing?
For our everyday business purposes - such as to process your transactions, maintain your accounts(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	YES
For joint marketing with other financial companies	YES	YES
For our affiliates' everyday business purposes - information about your transactions and experiences	NO	We Don't Share
For our affiliates everyday business purposes - information about your creditworthiness	NO	We Don't Share
For our affiliates to market to you	NO	We Don't Share
For nonaffiliates to market to you	YES	YES

HVCU contact information
To Limit Our Sharing	Call 845.463.3011 / 800.468.3011 Visit us online: www.hvcu.org Check the appropriate opt-out selection on our Master Membership Account Application Please note: If you are a new member, we can begin sharing your information 30 days or more, if applicable, from the date we sent 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.

HVCU phone number
Questions?	Call us at 845.463.3011 / 800.468.3011 or go to www.hvcu.org

HVCU about
Who We Are
Who is providing this notice?	Hudson Valley Credit Union

HVCU personal information
What We Do
How does the 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 the credit union collect my personal information?	We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit our Visa check card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law 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 your account.

HVCU vocabulary
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. HVCU has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial or nonfinancial companies. HVCU may share with nonaffiliated companies pursuant to a joint marketing agreement.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. HVCU's joint marketing partners include companies such as insurance and financial service providers.

HVCU important info
Other Important Information
If you use an Account Aggregation Service, please review our Account Aggregation Disclaimer(Opens in a new window) online at www.hvcu.org.

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