Privacy Policy

What Does Clarion Federal Credit Union Do With Your Personal Information?

Rev. Date 9/14

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 Account balances Payment history Checking account information Overdraft history When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Financial Insittution chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does Clarion Federal 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	No	We Do Not Share
For our affiliates’ everyday business purposes – information about your transactions and experiences	No	We Do Not Share
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We Do Not Share
For our affiliates to market to you	No	We Do Not Share

What We Do
How does Clarion Federal Credit Union protect my 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. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.
How does Clarion Federal Credit Union collect my information?	We collect your personal information, for example, when you Open an account or deposit or withdraw from your account Apply for a loan or provide account information Give us your income information 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. (See below for more on your rights under state law.)

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Clarion Federal Credit Union does not share with affiliates.
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Clarion Federal Credit Union does not share with non-affiliates.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Clarion Federal Credit Union does not jointly market.

Other Important Information
In accordance with Virginia law, Clarion Federal Credit Union will not share information we collect about Virginia residents with companies outside of Clarion Federal Credit Union, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable Virginia law. Cookies Cookies are small files placed on your computer by the web server to help us understand how you use our website and what areas of our site are most popular or may need improvement. Cookies do not collect or reveal personal information about you. The cookies that we use do not log your keystrokes, mine data or track your web browser. If you do not want to allow cookies, you may choose not to accept them. Many web browsers alert you to the use of cookies and allow you to refuse them. If your computer does not automatically alert you to the use of cookies, you may need to download a more current version of your browser from your internet service provider or change your settings. If you do disable cookies on your computer, please be aware that some website features may not function properly or may not be available to you. Email Email is a common tool used frequently to send information; however, unless it is encrypted, email is not a secure way to send personally identifying information such as your social security number. We will never ask you to send personally identifying information to us in an email. Email that you receive from us will be clearly identified as coming from Clarion Federal Credit Union or our affiliates and will not ask you for information relating to your social security number, account numbers, user IDs, or passwords. If you question an email received from Clarion Federal Credit Union, feel free to give us a call at (276) 778-0975. Children's Privacy Clarion Federal Credit Union is dedicated to the protection of your privacy. This is especially true when it comes to the privacy of your children. This website is not structured to attract children under the age of 13. Parental consent is required for children under 13 to provide personally identifiable information via this website. If you are the parent of a child under the age of 13, your child is protected by the Children’s Online Privacy Protection Act (COPPA). To learn more about COPPA visit https://www.ftc.gov/tips-advice/business-center/privacy-and-security/children%27s-privacy.

Other Important Information

In accordance with Virginia law, Clarion Federal Credit Union will not share information we collect about Virginia residents with companies outside of Clarion Federal Credit Union, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable Virginia law.

Cookies

Cookies are small files placed on your computer by the web server to help us understand how you use our website and what areas of our site are most popular or may need improvement. Cookies do not collect or reveal personal information about you. The cookies that we use do not log your keystrokes, mine data or track your web browser.

If you do not want to allow cookies, you may choose not to accept them. Many web browsers alert you to the use of cookies and allow you to refuse them. If your computer does not automatically alert you to the use of cookies, you may need to download a more current version of your browser from your internet service provider or change your settings.

If you do disable cookies on your computer, please be aware that some website features may not function properly or may not be available to you.

Email

Email is a common tool used frequently to send information; however, unless it is encrypted, email is not a secure way to send personally identifying information such as your social security number. We will never ask you to send personally identifying information to us in an email.

Email that you receive from us will be clearly identified as coming from Clarion Federal Credit Union or our affiliates and will not ask you for information relating to your social security number, account numbers, user IDs, or passwords. If you question an email received from Clarion Federal Credit Union, feel free to give us a call at (276) 778-0975.

Children's Privacy

Clarion Federal Credit Union is dedicated to the protection of your privacy. This is especially true when it comes to the privacy of your children. This website is not structured to attract children under the age of 13. Parental consent is required for children under 13 to provide personally identifiable information via this website. If you are the parent of a child under the age of 13, your child is protected by the Children’s Online Privacy Protection Act (COPPA). To learn more about COPPA visit https://www.ftc.gov/tips-advice/business-center/privacy-and-security/children%27s-privacy.