NORTHEN REDWOOD FEDERAL CREDIT UNION PRIVACY POLICY


Facts
WHAT DOES NORTHERN REDWOOD FEDERAL CREDIT UNION (NRFCU) 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 services you have with us. This information can include:
  • Social Security number and account balances
  • Credit history and payment history
  • Transaction history and overdraft history

How?

 All financial companies need to share members’ personal information to run their everyday business. In the section below, we will list the reasons financial companies can share their members’ personal information, the reasons PenFed chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information

Does NRFCU 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 vou Yes Yes
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes - information about your transactions and experiences No We don't share
For our affiliates' everyday business purposes - information about your creditworthiness No We don't share
For nonaffiliates to market to you Yes Yes

Questions?

 Call 707-822-5902

To Limit our Sharing

 •Call 707-822-5902
Please Note:
Except for cookies, if you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Who we are

Who is providing this notice?

 		NRFCU

What we do
How does NRFCU 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 NRFCU collect my personal information? We collect your personal information, for example, when you
  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card
  • browse our website
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
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account

Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies
- NRFCU does not share with our affiliates.
Nonaffiliates Companies not related by common ownership or control.They can be financial and nonfinancial companies
- Nonaffiliated companies we share with can include insurance companies, direct marketing companies, non-profit organizations, and credit card networks.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include investment, insurance, and credit card companies.

MOBILE BANKING APP
The mobile banking app may collect personal information from you or your financial institution, such as your first and last name, address, e-mail, User IDs, telephone number, and social security number when you create an account and use. This information could include your address or contacts (e.g. to make P2P (peer to peer) payments using Zelle or other payments functionality). We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.

Revised 09/2023