NRFCU - Privacy Policy

NORTHERN 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.

Revised 09/2023