This policy describes RiverWorks Credit Union collection, processing, transfer and storage of data from visitors to our website at [
https://www.rwcu.com/] (our “Website”). This Privacy Policy applies only to the data collected on the Website and not to other data collected or processed by
RiverWorks Credit Union.
If you are a RiverWorks Credit Union member, please see our
Consumer Privacy Notice
, which we provide to all our individual customers, for a comprehensive explanation of how we collect, use, and share personal information and your choices for limiting the use and sharing of your information as our customer.
FACTS: WHAT DOES RIVERWORKS CREDIT UNION DO WITH YOUR PERSONAL INFORMATION
Why: Financial companies choose how they share your personal information. Federal Law give 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 product or service you have with us.
This information can include:
* Social Security Number and income
* Account Balances and payment history
* Credit History and Credit Scores
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 customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons RiverWorks Credit Union chooses to share; and whether you can limit this sharing.
Reason we share your personal information:
For Everyday Business Purposes: Such as to process transactions, maintain your account(s), respond to court orders or legal investigations, or report to credit bureaus.
Does RiverWorks Credit Union Share? Yes
Can you limit this Sharing? NO
For our marketing purposes: To offer our products and services to you.
Does RiverWorks Credit Union Share? Yes
Can you limit this Sharing? NO
For Joint marketing with other financial institutions.
Does RiverWorks Credit Union Share? Yes
Can you limit this Sharing? NO
For our affiliates everyday business purposes: Information about your transactions and experiences.
Does RiverWorks Credit Union Share? No
Can you limit this Sharing? WE DON'T SHARE
For our affiliates everyday business purposes: Information about your creditworthiness.
Does RiverWorks Credit Union Share? No
Can you limit this Sharing? WE DON'T SHARE
For our affiliates to market to you.
Does RiverWorks Credit Union Share? No
Can you limit this Sharing? WE DON'T SHARE
For non affiliates to market to you.
Does RiverWorks Credit Union Share? No
Can you limit this Sharing? WE DON'T SHARE
Who is providing this notice? RiverWorks Credit Union
How does RiverWorks 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 RiverWorks Credit Union collect my personal information?
We collect your personal information, for example, when you:
* open account or deposit money
* pay your bills or apply for a loan
* 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 credit worthiness
* affiliates from using your information to market to you
* sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
(See below for more on your rights under state law)
Definitions
Affiliates:
Companies related by common ownership or control. They can be financial or non-financial companies.
RiverWorks Credit Union has no affiliates.
Nonaffiliates:
Companies not related by common ownership or control. They can be financial or non-financial companies.
Nonaffiliates we share with can include Insurance Companies.
Joint Marketing:
A formal agreement between nonaffiliated financial companies that together market financial products or services you.
Our joint marketing partners include Insurance Companies.
Other Important Information
State Law – If you give us written permission to share your information about electronic funds transfers, such permission will expire after 45 days.