Through our web site, we strive to
provide valuable information to you about how we may serve you and we hope our
site answers your questions about our products and services, location, and
hours. Ripco Credit Union values your interest and we are committed to
protecting the privacy of our visitors.
Our web site does not require you to
disclose any personally identifying information. If, however, you choose to
contact us via e-mail or complete an electronic form, please keep in mind that
your e-mail address and any other information your e-mail header shows about
you, such as your name or organization, will be revealed to us in the e-mail.
Your e-mail address will not be sold, nor will it be shared with others outside
the credit union unless we are compelled to do so by law.
Ripco Credit Union respects the
privacy of children. We do not knowingly collect names, e-mail addresses, or
any other personally identifiable information from children. We do not
knowingly market to children, nor do we disclose any childs personally
identifiable information to any third party for marketing purposes.
From time to time, we may solicit
information from you for our guestbook, or in connection with a giveaway or
drawing. The disclosure of information is entirely voluntary on your part and,
if you choose to give it, the personally identifying data will be used
internally, primarily to enable us to contact you with additional information
about the credit union and services we offer. On occasion, credit union staff
may contact you by e-mail for other purposes.
For statistical purposes, Ripco Credit Union may use a counter to obtain such information as type of browsers used,
time and number of browsers on our site, and other general tracking
information. A specific member can not be identified using this information.
This information is used internally and will not be sold or shared with others
outside the credit union unless compelled to do so by law.
To provide you with greater access to
information, Ripco Credit Union's site may also contain links to other sites.
While we hope these organizations join us in respecting your privacy, Ripco is
not responsible for the content or privacy practices of these other web
We reserve the right to change this
Ripco Credit Union is owned by its
members and run by a board of directors you elect. You can be confident that
your financial privacy is a top priority of this credit union. We are required
by law to give you this privacy notice to explain how we collect, use and
safeguard your personal financial information.
are committed to providing you with competitive products and services to meet
your financial needs, which necessitates that we share information about you to
complete your transactions and to provide you with certain financial
opportunities. In order to do so, we have entered into agreements with other
companies that provide either services to us or additional financial products
for you to consider.
Under these arrangements, we
may disclose all of the information we collect, as described below, to
companies that perform marketing or other services on our behalf or to other
financial service providers with whom we have joint marketing agreements. 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.
Information We Collect And Disclose About You
We collect the following nonpublic
personal information about you from a variety of sources and may disclose all
the information we collect to companies that perform marketing services on our
behalf or to other financial service providers with whom we have joint
- From membership and loan applications and
other forms, we obtain information such as name, address, social security
number and income.
- From your transactions with us or other
companies that work closely with us to provide you with financial products and
services, we obtain information such as your account balances, payment history,
parties to transactions, and credit card usage.
- From consumer reporting agencies, we obtain
information such as your creditworthiness and credit history.
- From verifications of information you
provide on applications and other forms, we obtain information from current or
past employers, other financial institutions and other sources listed on the
We may also disclose
information we collect about you under other circumstances as permitted or
required by law. These disclosures typically include information to process
transactions on your behalf, conduct the operations of our credit union, follow
your instructions as you authorize, or protect the security of our financial
If you terminate your
membership with Ripco Credit Union, we will not share information we have
collected about you, except as permitted or required by law.
How We Protect Your Information
We restrict access to nonpublic
personal information about you to those employees who have a specific business
purpose in utilizing your data. Our employees are trained in the importance of
maintaining confidentiality and member privacy. We maintain physical,
electronic, and procedural safeguards that comply with federal regulations and
leading industry practices to safeguard your nonpublic personal information.