FACTS	WHAT DOES RTN FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives members 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 information we collect and share depend upon the products and/or services you have with us. This information can include: • Social Security number and payment history • Transaction and loss history and overdraft history • Checking account information and wire transfer instructions 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 RTN Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does RTN 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	Yes	Yes
For our affiliates’ everyday business purposes —  information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes —  information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes

To limit our sharing	Mail the form below or download a printable PDF version of this notice. Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent you this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call (781) 736-9900 or go to www.rtn.org

  
Cut here and return the form below ---------------------------------------------------------------

Mail-In Form

[    ] By checking this box, you limit the following: Do not share information for joint marketing with other financial companies  Do not share information about my creditworthiness with your affiliates for their everyday business purposes.   Do not allow your affiliates to use my personal information to market to me.   Do not share my personal information with non-affiliates to market their products and services to me.                     Mail to: RTN Federal Credit Union 600 Main Street Waltham, MA 02452     Name:   Address:   City, State, ZIP:   Account Number:

Who we are
Who is providing this notice	RTN Federal Credit Union, 600 Main Street, Waltham, Massachusetts 02452
What we do
How does RTN Federal 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.
How does RTN Federal Credit Union collect my personal information?	We collect your personal information, for example, when you open an account and/or apply for a loan make a wire transfer give us your income information and show us your government-issued ID We also collect information from others, such as credit bureaus, affiliates and other companies.
Why can’t I limit 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.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on the account.

 

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies Our only affiliate is the RTN Financial and Retirement Group
Non affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies Nonaffiliates we share with can include insurance companies, mortgage companies and direct marketing companies
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you  Our joint marketing partners include insurance companies

Click here for a PDF version of this policy.