ABOUT YOUR PRIVACY
At RTN Federal Credit Union, your financial privacy is our top priority. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact us at 1-800-338-0221.
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider. If you prefer that we not disclose information about you to certain businesses, you may "opt out" of these disclosures, that is, you may direct us not to disclose information about you, as explained in this notice. This "opt out" will not apply to information that we may disclose about you as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow instructions as you authorize, or protect the security of our financial records.
To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.
INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on membership and loan applications and other forms.
- Information about your transactions with us, our affiliates, or others.
- Information we receive from a consumer reporting agency.
Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.
INFORMATION WE MAY DISCLOSE ABOUT YOU
We may disclose all of the nonpublic personal information we collect about you, as described above. Also, we are required to or we may provide information about you to third parties without your consent, as permitted by law, such as:
- To respond to a subpoena or court order, judicial process or regulatory authorities;
- To consumer reporting agencies;
- To protect against fraud.
In addition, we may provide information about you to our service providers to help us process your applications or service your accounts. Our service providers may include billing service providers, data processors, insurers, loan settlement service providers, property inspections companies, attorneys or other professionals.
CERTAIN PARTIES THAT RECEIVE INFORMATION FROM US WHERE YOU CAN REQUEST TO OPT OUT
We may disclose nonpublic personal information about you to the following types of third parties:
- Financial service providers, such as mortgage brokers, securities broker-dealers, and insurance agents.
- Non-financial companies, such as retailers, direct marketers, airlines, travel agencies and automobile dealerships.
- Other companies that provide consumer discount programs and non-profit organizations.
We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law. The examples listed above are illustrations and are not intended to be exclusive.
SERVICE PROVIDERS/JOINT MARKETING ARRANGEMENTS
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
HOW TO OPT OUT OR STOP CERTAIN DISCLOSURES ABOUT YOU
If you prefer that we do not disclose nonpublic personal information about you to such non-affiliated third parties as listed above (other than those permitted by law), you may opt out of those disclosures. To opt out, you should click here to download the “Opt Out” response form and forward it to us.
If you have previously submitted an “Opt Out” Response Form to us, you do not need to do so again. If you have any questions regarding this notice or opt out procedures, please contact Me mber Services at 1-800-338-0221 or by e-mail at info@rtn.org. You may opt out of these disclosures at any time. This opt out option, by law, will not apply to disclosures we make to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with us.
Once we receive your request not to make further disclosures, we will act as quickly as possible to stop disclosures. You may always contact us for assistance, if you wish later to revoke your opt out election.
Note to non-member joint account holders: Anyone of you may exercise the right to opt out even if you are not actually a member of the credit union. RTN Federal Credit Union will treat an opt out request from any one party to an account as if all of you directed us to not make disclosures to nonaffiliated third parties to which the opt out right applies.
DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS
If you terminate your membership with RTN Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.
HOW WE PROTECT YOUR INFORMATION
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.
OTHER INFORMATION
This privacy policy applies to financial products and services provided by RTN Federal Credit Union used primarily for personal, family, or household purposes (not business purposes). We reserve the right to change this privacy policy at any time. If we make a change, you will receive a revised notice that accurately describes our policy and practice.
© RTN Federal Credit Union
Updated April 1, 2007
