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 Your have with us. This information can include:
- Social Security Number and Income
- Date of Birth
- Address
- Legal Name
- Account Number and Payment History
- E-mail address
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
For 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.
Does Railway Credit Union Share: Yes
Can you limit this sharing: No
For our marketing purposes:
To offer our products and services to you.
Does Railway Credit Union Share: Yes
Can you limit this sharing: No
For joint marketing with other financial companies.
Does Railway Credit Union Share: No
Can you limit this sharing: No
For our affiliates’ everyday business purposes:
Information about your transactions and experiences.
Does Railway Credit Union Share: Yes
Can you limit this sharing: No
For non-affiliates to market to you.
Does Railway Credit Union Share: No
Can you limit this sharing: No
Questions?
Call or text us at 701-667-9500
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
- Pay Your bills or Deposit money
- Use of Your credit or debit card
- Enroll in e-services or Order checks
We also collet Your personal information from others, suchs as credit bureaus, affiliates, or others.
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.
- Railway Credit Union has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Railway Credit Union does not share with non-affiliates so they market to You.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to You.
- Railway Credit Union doesn't jointly market.
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.