RTP Federal Credit Union :: Disclosures

Privacy Policy

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean RTP Federal Credit Union.

This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members:

Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):

Share account
Loan account
Credit card account

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An is a company we own or control.

A is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

THE INFORMATION WE COLLECT
We collect information about you from the following sources:

Information you give us on applications or other forms
Information about your transactions with us
Information about your transactions with other parties
Information from a consumer reporting agency
Information we receive through our Customer Identification Program

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER MEMBERS
We do not disclose information about former members, except as permitted by law.

AUTHORIZED SHARING - OUTSIDE MARKETING SERVICES
We may disclose the following information to companies that perform marketing services on our behalf:

Information you give us on an application or other forms, such as:

Name
Address
Social Security Number
Date of birth
Home telephone number
Work telephone number

Information about your transactions with us, such as:

Account balances
Types of accounts
Open/close dates
Credit limits
Interest rate
Loan purpose code
Type of collateral
Delinquent accounts

We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Here are the types of businesses with whom we may disclose information for outside marketing purposes:

Service providers that perform marketing services for us, such as:

Direct sales companies

We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.

Here are the limitations we impose on the use of information disclosed to companies that perform marketing services on our behalf:

We only allow direct mail solicitations.

AUTHORIZED SHARING - JOINT MARKETING
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Information you give us on an application or other forms, such as:

Name
Address
Date of birth

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

AL, AK, CA, ID and VT - We will not share this information about members who reside in Alabama, Alaska, California, Idaho or Vermont.

MA, MS and NJ - We will not share any information derived from share relationships with us about members who reside in Massachusetts, Mississippi or New Jersey.

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

Financial service providers, such as:

CUNA Mutual Insurance

We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

Here are the limitations we impose on the use of information disclosed to other financial institutions with whom we have joint marketing agreements:

We only allow direct mail solicitations.

Copyright 2000 Wolters Kluwer Financial Services - Bankers Systems^TM.

Please contact RTP Federal Credit Union for a printed copy of our Privacy Disclosure.