The Vermont Community Loan Fund Privacy Policy

The Vermont Community Loan Fund, Inc. (VCLF) and our employees are committed to protecting your privacy. This notice explains the privacy policy and practices that the Loan Fund is guided by for the gathering, sharing and security of information relating to our borrowers, investors and donors.

Information We Collect

We gather personal information from the following sources:

• Information we receive on applications and other forms, such as name, address and Social Security number.
• Information about transactions with us, such as payment history and account balance.
• Information we receive from third parties (when you apply for a loan) such as credit bureaus on credit history.
• Information we obtain when verifying the information provided on loan applications and other forms; this may come from current or past employers, or from other institutions where financial transactions are conducted.
• Information provided to us on our website, such as email communications or web browser "cookies." Please remember that email communication is not a secure medium.

Information We Share

We do not share or sell any personal information on our current or former borrowers, investors and donors to anyone outside VCLF except:

• To third parties that help us perform our functions or services, such as mailing or copying services.
• To third parties as required by law, such as in compliance with judicial process.

To protect your privacy, we only disclose to third parties that agree to maintain strong confidentiality safeguards and not use this information for other purposes.

If you do not renew your loan or investment to the VCLF, or if you have a loan from the VCLF and pay off the loan, or if you are no longer an active customer, we will retain your records for at least as long as is required by law. We will continue to treat your personal information as described in this notice, as amended from time to time.

Our Security Procedures

We restrict access to personal information to those employees who need to know that information in order to provide products or services. We maintain physical, electronic, and procedural safeguards guard such information.

On our website, we provide links to other websites. These other web sites are not subject to our privacy policy. We strongly recommend that you review each website's privacy policy when visiting them.