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Important Information About Your Privacy
The Richmond Fire Department Credit Union is committed to protecting the privacy of its members. As a financial institution, we know that your trust in us is of central importance. This privacy notice explains that nonpublic personal information about our members is shared with certain organizations on a confidential basis. In the course of providing services to our membership, Richmond Fire Credit Union collects and shares information about you, please read how we protect the information we collect. The Richmond Fire Department Credit Union is required by law to give you the right to “opt out” of information sharing with certain businesses, other than what is permitted by law. Please be aware that limiting information sharing may result in you not learning about all the opportunities that may be important to you.
You may at any time direct us not to disclose information about you to certain businesses. Unless we hear from you, we may continue to share all nonpublic personal information about you that we collect with business involved in travel services, automotive sales and insurance, and other consumer discounts.
The Richmond Fire Department Credit Union believes these types of products and services will be of value and interest to our membership.
Our Privacy Promise To Our Membership
While information is the cornerstone of our ability to provide superior customer service, our most important asset is our members trust.
The Richmond Fire Department Credit Union is member owned and run by a Board of Directors, you can be confident that your privacy is a top priority. Here is our promise to our members:
- We will safeguard, according to strict standards of security and confidentiality, any information our members share with us.
- We will limit the collection and use of member information to the minimum we require to deliver superior service to our membership, which includes advising our members about our products, services and other opportunities, and to administer our business.
- We will permit only authorized employees who are trained in the proper handling of member information. Employees who violate our Promise will be subject to normal disciplinary processes.
- We will not reveal member information to any external organization unless we have previously informed the member in disclosures or agreements, have been authorized by the member, or are required by law or our regulators.
- We will always maintain control over the confidentiality of our members information.
- We will tell our membership in plain language, initially and at least once annually, how they may remove their names from marketing list or shared information. At any time, our members can contact us to remove their names from such lists.
- We are committed to providing you with competitive products and services to meet your financial needs. In order to do so, we have entered into agreements with other companies that provide either service or additional financial products for you to consider. If you prefer we not disclose information about you to certain businesses, you may “opt out” of these disclosures. The “opt out” option does not apply to information we may disclose about you as required by law.
- To protect our member’s privacy, we only work with companies that agree to maintain strong confidentially 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 obtained when verifying the information you provide on an application or other forms such as from current or past employers or from other institutions where you conduct financial transactions
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 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 current or past employers or from other institutions where you conduct financial transactions
Information We May Disclose About You
We may disclose the following kinds of nonpublic personal financial information about you: – Information we receive from you on applications and other forms, such as your name, address, social seciurity number and income – Information about your transactions with us or other companies that work closely with us to provide you with financial products and services, such as account balances, payment history and credit card usage – Information we receive from a consumer reporting agency such as your credit worthiness and credit history
Certain Parties That Receive Information From Us
- Financial service providers such as companies providing automotive insurance
- Non-financial companies such as travel agencies and automotive dealerships
- Other companies that provide consumer discount programs
How to Opt Out or Stop Certain Disclosures About You
If you prefer that we do not disclose nonpublic information about you to such nonaffiliated third parties as listed above, you may opt out of those disclosures. If you wish, you may direct us not to make disclosures to nonaffiliated third parties (other than permitted by law), you should do one of the following:
Call a member service representative at: 804.354.0673
Email Us to Opt Out or Stop Certain Disclosures: memberservices@rfdcreditunion.com
You may opt out of these disclosures at any time. This opt out option, by law, will not apply to disclosures that 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 the disclosures. You may always contact us for assistance if you wish later to revoke your opt out election.
Note to Non-Member Joint Account Holder
Anyone may exercise the right to opt out, even if you are not actually a member of the Credit Union. The Richmond Fire Department 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 non-affiliated third parties to which the opt out right applies.
Information About Former Members
If you terminate your membership with the Richmond Fire Department Credit Union, we will not share information we have collected about you, except as permitted or required by law.