Rogue River Community Credit Union

The directors, management and staff of Rogue River Community Credit Union (RRCCU) are concerned about and respect the privacy of our members’ personal financial information. We understand that our member’s furnish sensitive information to the credit union during the course of doing daily business and we at RRCCU are committed to treating your personal information responsibly. We know that our members’ expect privacy and security of their personal and financial affairs and it is our intention to protect your information.

RRCCU will take all necessary steps to safeguard sensitive information that has been entrusted to us by our members. The following Privacy Policy outlines our practices and procedures regarding personally identifiable financial information for our members and others with which we establish a “member relationship”.

Types of Information the Credit Union Collects.

At RRCCU, we gather nonpublic personal information from many sources. The Credit Union collects nonpublic personal information directly from members, joint owners, co-borrowers, and guarantors on various applications and forms. For example, loan applications and membership applications.

The credit union also collects information as a result of transactions between the credit union and individuals, and as a result of providing our products and services. This includes transaction information from share drafts (checking), automated teller machine (ATM) cards, and electronic transfers (for example: home banking or automated clearinghouse (ACH) transactions. Non-public personal information does not include information the credit union obtains from government records, widely distributed media, or any government mandated disclosures.

Types of Information the Credit Union Discloses

The Credit Union does not intend to, nor does it in the future to disclose any personal financial information to any non-affiliated or affiliated third party. By law the credit union may disclose certain personally identifiable information without allowing members the right to opt out of the credit union’s information sharing agreements in the following circumstances:

• To companies performing transaction processing for the Credit Union
• If the transaction, service or product is requested or authorized by the member.
• To maintain or service a member’s account as part of a private label credit card or other loan extension program.
• In the case of a securing, secondary market sale, (this includes servicing rights) or similar transactions related to a member.
• To disclose information necessary to enforce the credit union’s legal or contractual rights or the rights of any other person who is engaged in a financial transaction.
• To disclose information required in the ordinary course of business, such as in the settlement of claims or benefits, the confirmation of information to the ember or their agent, and the billing, processing or clearing of items in the normal course of business.
• To provide information to insurance rate advisory organizations, guaranty funds or agencies and agencies that are rating the credit union, persons that are assessing the credit union’s compliance with the industry standards, and the credit union’s attorneys, accountants and auditors.
• To the extent permissible under the Rights of Financial Privacy Act (RFPA)
• To a consumer reporting agency under the Fair Credit Reporting Act.
• To comply with federal, state or local laws, rules and other applicable legal requirements.

Examples of the types of businesses we are affiliated with:

• CU*Answers (our data processor)
• Merchants Service Bureau/Equifax (credit reporting services)
• Cuna Service Group
• Cuna Mutual Insurance Society