REMINDER: Reward Visa Card holders must redeem their earned points before March 26th, 2023 (Sunday) when the Reward Program terminates. Your old Rewards card will also no longer be valid after March 26th. Visit our Credit Card Conversion page for complete details HERE.
What Does RIPCO Credit Union do with Your Personal Information?
Privacy Policy
rev.7/22
| 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:
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 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 | 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 our affiliates' to market to you | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
| Questions? | Call toll-free 1-877-365-4800 or go to ripco.org |
|---|
| 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:
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
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.
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance companies. |
| Other important information | |
|---|---|
Children’s Online Privacy Protection
Ripco Credit Union recognizes its responsibility to protect the privacy of our youngest members. Ripco Credit Union is committed to protecting our young members and other visitors as they visit our kids section of our website. The following language appears on the Ripco Credit Union website on the “Kids Page”:
Ripco Credit Union respects the privacy of children. Ripco does not knowingly collect, maintain or use personal information from our website about children under age 13. We do not knowingly market to children, nor do we disclose any child’s personally identifiable information to any third party for marketing purposes. If a child whom we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent.
It is the intent of Ripco Credit Union to comply with the Children’s Online Privacy Act (COPPA) that governs and protects the privacy of our youngest members.
If young members send us email with their personal information for any reason, we will respond to their email as appropriate and then promptly delete the child’s email address.
We will not sell, give, or share their personal information to/with any third party vendor or any other organization. We will not require a child to disclose more information than is reasonably necessary to participate in an activity.
We will use the “one time contact” exception under the rule if we collect children’s online contact information, and only this information, to enter them into a contest, and then only contact such children once the contest ends to notify them if they have won or lost. At that point, we will delete the online contact information we have collected.
A description of parental rights:
- Ripco Credit Union won’t require a child to disclose more information than is reasonably necessary to participate in an activity;
- Parents can review their child’s personal information, direct us to delete it, and refuse to allow any further collection or use of their child’s information;
- Parents may agree to the collection and use of their child’s information, but still not allow disclosure to third parties unless that’s part of the service (for example, social networking); and
- Parents may exercise their rights by contacting the credit union in person, via phone, email or text. This communication will be considered duly received and the request honored upon Ripco Credit Union’s confirmation of receipt of the request via the same medium as that used by the parent(s) to initiate the request.
Online Privacy Policy
INTRODUCTION
Ripco Credit Union (RCU) (or "We", "us" and "our”) is committed to providing financial products and services that enable our members to meet their financial needs and goals while at the same time protecting the members’ nonpublic personal information. By visiting our website, and using our services, you acknowledge and agree to the collection, use, and other processing of your information in accordance with the practices described in this privacy policy. If you do not agree to all of the terms, conditions, and practices set forth herein, do not access the website or any of its pages or use our other web or mobile services.
SECURITY
As governed by our Privacy Policy, RCU has established appropriate security standards to protect against unauthorized access to member information. We restrict access to nonpublic personal information to those employees who need to have that information in order to provide products or services.
INFORMATION WE MAY COLLECT, USE, SHARE
RCU will only collect personal information necessary to conduct our business. That means only what is necessary to provide competitive financial products and services and no more. We collect this information about members from applications and other services, information about member transactions with us and information we receive from consumer reporting agencies. With your consent, RCU only shares information for legitimate business reasons, with the ultimate goal of bringing members greater convenience and more choices.
COOKIES/LINKS
A cookie is a piece of data from a website that is stored within a web browser that the website can
retrieve at a later time. Cookies are used remember specific information about the user as you navigate the website or return to the website. Our cookies do not store personal or sensitive information. If you do not want a cookie placed on your computer as a result of using the website or services, you may disable cookies altogether by setting your browser or third-party software to reject cookies. Due to www.ripco.org being a secured website, when you leave our website to go to another linked site, you will be provided a disclaimer:
“You are now leaving our website to visit a third-party site. We are not
responsible or liable for the information contained on this site.
If you would like to continue, please click the “Continue” button below. If you
would like to return to our website without opening the third-party link, please
click the “Cancel” link below.”
Our Privacy and Security policies do not extend to any third-party linked sites therefore we are not responsible for the contents of, updates to, or privacy/security practices of these third parties, which may differ from ours.
GEOLOCATION TRACKING
Our services may enable access to third party services and web sites, including GPS locator websites, such as Google, that allow you to find a branch (collectively and individually, "Services"). Use of the
Services may require Internet access and that you accept additional terms of service. You can choose to disable your location feature through your app but doing so will result in you not receiving any information that require a location.
Adopted by the Board of Directors: 1/11/2023
Last Revision: 1/11/2023
Approved by the Board of Directors: 1/11/2023