Privacy Policy

WHAT DOES BAYLANDS FAMILY 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 accounts, products or services 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 Ferguson Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Baylands Family 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 YES NO
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 NO We don’t share
For nonaffiliates to market to you NO We don’t share

Questions?

  • Call us at: (804) 843-2520 or (888) 843-2520
  • Email: info@baylandsfcu.org
  • Or write: Baylands Family CU PO Box 392 West Point, VA 23181

Who we are

Who is providing this notice?

Baylands Family Credit Union

What we do

How does Baylands Family 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.

We also restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you.

How does Baylands Family Credit Union collect my personal information?

We collect your personal information, for example, when you

  • open an account or apply for a loan
  • pay your bills or deposit money
  • use your credit or debit 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 laws 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.

  • Credit Union Service Centers of Virginia

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Enterprise Car Sales

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Baylands Family Credit Union’s joint marketing partners include: Fidelity National Information Services, Mass Mutual Financial Group, CUNA Mutual Group and Affinion Group.

Other Important Information

  • We do not collect any personal information from children under the age of 13 via our website.
  • We provide our Privacy Policy to all new members and current members on an annual basis. Our current policy is always available at www.baylandsfcu.org.