Skip to main content Go to Mobile Online Banking Go to Online Banking for Desktop Browsers
 

Privacy Policy

What Does RIPCO Credit Union do with Your Personal Information?

rev. March 2013

An introduction to this privacy policy
Facts What does Ripco Credit Union do with your 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 and credit history
  • Account balances and transaction history
  • Payment history and credit card or other debt

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

Reasons why we share certain data, what data we share, and if you can limit our sharing
Reasons we can share your personal information Does Ripco Credit Union 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 you
Yes No
For joint marketing with other financial companies Yes Yes
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 our affiliates' to market to you Yes Yes
For nonaffiliates to market to you Yes Yes
To limit our sharing

Call Toll Free 1-877-365-4800
Please note: 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.

What to do if you have questions
Questions? Call 715-365-4800 or 1-877-365-4800 (toll free)
What we do with your personal information, how we collect it, and why you can’t limit all sharing
What we do
How does Ripco 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 Ripco Credit Union collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or give us your contact information
  • Show your drivers' license or give employment information
  • Apply for a loan

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 laws and individual companies may give you additional rights to limit sharing.

Definitions of terms in this privacy policy
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates can include our data processor CU*Answers, the related CUSO Xtend, and our credit card processor PSCU.

Nonaffiliates

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

Nonaffiliates we share with can include insurance companies, direct marketing companies and credit card processing companies.

Joint Marketing

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

Our joint marketing partners can include insurance companies, direct marketing companies and credit card processing companies.

Other important information for this privacy policy
Other important information
To protect our members? privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.
Top
Some content requires Adobe Acrobat Reader to view.