Privacy Policy

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.

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
  • Assets and income
  • Credit scores and credit history

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers' personal information to run their everyday business.  In the following table lists the reasons why financial companies can share their customers' personal information, the reasons Low VA Rates chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information

Does Low VA Rates 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



For our marketing purposes—
to offer our products and services to you



For joint marketing with other financial companies



For our affiliates' everyday business purposes—
information about your transaction and experiences





For our affiliates' everyday business purposes—
information about your credit worthiness


We don't share

For our affiliates to market to you



For nonaffiliates to market to you



Important Definitions


Companies related by common ownership or control. They can be financial and nonfinancial companies.


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

Nonaffiliated companies may include title companies, appraisers, computer or software companies, insurance providers or loan purchasers.

Joint Marketing

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


Call 801-341-7000 or email

Our Pledge To You

Low VA Rates protects your 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.

The Information That We Collect From You

We collect your personal information, for example, when you:

  • Open an account to apply for a loan
  • Give us your income to apply for a loan
  • Give us your contact information, or show your government-issued ID or driver's license. We also collect your personal information from others, such as credit bureaus, or other companies.

Why You Can't Limit All Sharing

Federal law gives you the right to limit only:

  • Sharing for affiliates' everyday business purposes—information about your credit worthiness.
  • Affiliates from using information about your credit worthiness to market to you.
  • Sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

For Vermont Members/Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at or call 866-569-8272.