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Redwood Credit Union & RCU Services Group Privacy Disclosure

FACTSWHAT DO REDWOOD CREDIT UNION AND RCU SERVICES GROUP
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 credit history
  • Account balances and transaction history
  • Checking account information and overdraft 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 Redwood Credit Union and RCU Services Group choose to share; and whether you can limit this sharing.

Reasons we can share your personal information

Do RCU and RCU Services Group 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 No We don’t share
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 1 (800) 479-7928 or go to www.redwoodcu.org.

Who we are

Who is providing this notice?Redwood Credit Union and RCU Services Group

What we do

How do Redwood Credit Union and RCU Services Group 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 do Redwood Credit Union and RCU Services Group collect my personal information? We collect your personal information, for example, when you
  • open an account or apply for a loan
  • use your credit or debit card or provide account information
  • provide your mortgage information or give us your income information
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 non-affiliates to market to you
State laws 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 non-financial companies.

  • Our affiliates include Redwood Credit Union and RCU Services Group.
Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Redwood Credit Union and RCU Services Group do not share with non-affiliates so that they can market to you.
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Redwood Credit Union and RCU Services Group do not jointly market.

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