Privacy Policy

FACTS	WHAT DOES VULCRAFT EMPLOYEES FEDERAL CREDIT UNION UNION DO WITH YOUR PERSONAL INFORMATION? 6610 County RD 60 St Joe, IN 46785 Phone: (260) 337-1808 www.vulcraftfcu.com

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 assets Credit card or other debt and overdraft history Credit history and credit scores 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 VULCRAFT EMPLOYEES FEDERAL CREDIT UNION Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does VULCRAFT EMPLOYEES FEDERAL CREDIT UNION 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	No
For joint marketing with other financial companies	Yes	No
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 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	No

Questions?	Call 260-337-1808 or go to www.vulcraftfcu.com/

Who we are
Who is providing this notice?	VULCRAFT EMPLOYEES FEDERAL CREDIT UNION Union
What we do
How does VULCRAFT EMPLOYEES FEDERAL CREDIT UNION 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 VULCRAFT EMPLOYEES FEDERAL CREDIT UNION Union collect my personal information?	We collect your personal information, for example, when you: open an account or make a wire transfer show your government-issued ID or apply for financing make deposits or withdrawals from your account 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.

Deﬁnitions
Afﬁliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. • VULCRAFT EMPLOYEES FEDERAL CREDIT UNION Union has no affiliates.
Nonafﬁliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. • VULCRAFT EMPLOYEES FEDERAL CREDIT UNION Union does not share with our nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • VULCRAFT EMPLOYEES FEDERAL CREDIT UNION Union doesn’t jointly market.
VULCRAFT EMPLOYEES FEDERAL CREDIT UNION 2023