FACTS

WHAT DOES RAILWAY 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       - Date of Birth

„- Address                              - Legal Name

„- Account Number                 - E-mail address

When you are no longer our customer, we continue to share your information as described in this notice.

HOW?

All financial companies need to share member’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member’s personal information; the reasons Railway Credit Union chooses to share; and whether you can limit this sharing.

 

 

Reasons we can share your personal information

Does Railway Credit Union share?

Can you limit this sharing?

For our every day 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

NO

For our affiliates’ everyday business purposes-

Information about your transactions and experiences

YES

NO

For non-affiliates to market to you

NO

NO

Questions?

Call us at 701-222-8736 or go to www.railwaycu.com

 

Who we are

Who is providing this notice?

Railway Credit Union

What we do

How does Railway 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 Railway Credit union collect my personal information?

We collect your personal information, for example, when you

- Apply for membership   or    Apply for loans

- Enroll in e-services        or    Order checks

 

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 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 nonfinancial companies.

 

•None

Nonaffiliates

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

Compliance One   Prodraft   Harland Clarke   Harland  

  Financial Solutions   My Kept Data   Vantiv   CUNA Mutual  

  Life Investors   Allied Solutions   Excess Share Insurance

Joint Marketing

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

 

•None

Other important information

The above listed third parties are given your personal information in order to assist in providing you the services you have requested such as a checking account or debit card.  They are not permitted nor do they use your personal information for their own marketing benefits.

 

We do not disclose non-public personal information about former members.