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Privacy Notice and Disclosures

Rev. 12/17

FACTS

WHAT DOES RED RIVER EMPLOYEES FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Why?

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.

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 account balances

  • credit history and credit scores

  • payment history and transaction history

 

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 Red River Employees Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Red River Employees 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 to 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

No

For our affiliates’ everyday business purposes –

information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes –

information about your creditworthiness

No

We don’t share

For our affiliates to market to you

No

We don’t share

For nonaffiliates to market to you

No

We don’t share

Questions?

Call toll-free 1-800-822-3317 or 903-735-3000 or go to www.rrfcu.com

Who we are

Who is providing this notice?

Red River Employees Federal Credit Union Red River Member Service Group, LLC

What we do

How does Red River Employees 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 Red River Employees Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

  • deposit money or pay your bills

  • use your credit or debit card or show your government-issued ID

  • apply for financing

 

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 creditworthiness

  • affiliates from using your information to market to you

  • sharing for nonaffiliates to market to you

 

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

Definitions

Affiliates

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

  • Our affiliates include companies with a Red River Member Service Group, LLC name.

Nonaffiliates

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

  • Red River Employees Federal Credit Union does not share with our nonaffiliates so they can market to you.

Joint Marketing

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

  • Our joint marketing partners include advertising/marketing agencies and insurance companies.

Other important information

 

None

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.