Privacy Policy Rhode Island Credit Union’s goal is to be your full service financial partner. We pledge to achieve this goal through a total commitment to service excellence. This commitment includes protecting the privacy of our members. We have a duty to protect the confidential nature of nonpublic personal information, and to that end will take prudent and reasonable measures to protect the privacy of that information. This notice describes the information we collect from you and what we do to protect your nonpublic personal information. If you have any questions after reading this notice, please contact us at (401) 751-7440 or write to Rhode Island Credit Union, 160 Francis Street, Providence, RI 02903. INFORMATION WE COLLECT ABOUT YOU We collect nonpublic personal information about you from the following sources: Information we receive from you on applications or other forms; Information about your transactions with us; Information we receive from a consumer reporting agency; and Information obtained when verifying the information you provide on an application or on other forms. Such information may be obtained from current or past employers, or from other institutions where you conduct financial transactions. We may disclose all of the information we collect, as described above, as permitted by law.  PARTIES WHO RECEIVE INFORMATION FROM US We may disclose nonpublic personal information about you to the following types of third parties: Financial service providers, such as insurance companies; and Non-financial companies, such as consumer reporting agencies, check printers, plastic card processors, government agencies, and statement mailers. DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements, or to nonaffiliated third parties for the purposes of processing and servicing transactions that you request or authorize, so that we may provide competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to carry out transactions on your behalf, conduct the operations of the Credit Union, follow your instructions as requested and authorized, or protect the security of our financial records. DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS If you terminate membership with Rhode Island Credit Union, we will not share the information collected about you, except as permitted or required by law. PROTECTION OF MEMBERS’ NONPUBLIC PERSONAL INFORMATION To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of the information provided. We do not permit these companies to sell the information provided to other third parties. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. ONLINE PRIVACY AND SECURITY In general, you can visit our website without disclosing to us who you are or revealing any information about yourself. There are some areas that will collect certain information about you and it is important for you to know how we use this information. When you visit our website, we collect and store information on the Internet domain and address you use to access our website, the date and time you access our site, and the pages you visit. This information is used solely for the purposes of creating site activity and statistical reports. These reports enable us to improve the usefulness of our site and to better serve our membership. When you email us, we collect and store personal information to process your email request. Users of this site should understand that any personal information that is voluntarily sent via an unsecured email form might be collected and used by others. Please do not include your account number, your Social Security number, your personal identification number (PIN), your password or any other confidential information in your email requests to Rhode Island Credit Union. Secured forms and applications are available on our website to contact us and to apply for various services and loans online. Rhode Island Credit Union utilizes passwords, 128-bit SSL encryption, and firewalls to keep your account information secure and private when you use our online banking service, Branch24. For your protection, be sure to always log off Branch24 when you are done using it. Other safe computing practices you may want to consider include: Installing virus detection software. Performing regular backups. Acquiring a home firewall especially if you utilize a DSL or cable modem connection to the Internet and leave your computer on all the time. Password protecting sensitive files on your computer. WHAT YOU CAN DO TO HELP Rhode Island Credit Union recommends that you take the following precautions to guard against the disclosure and unauthorized use of your personal and account information: Protect your account numbers, plastic card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen. Never provide personal information (including full Social Security numbers or account and credit card information) over the phone unless you have initiated the call and know with whom you are speaking. If someone calls you explaining the call is on behalf of the Credit Union, you should beware. Credit Union staff will have access to this information and will not need to ask for it. Notify us immediately if your ATM, credit or debit card has been lost or stolen. Also notify us immediately if your checks have been lost or stolen. Keep your information with us current. Be sure to notify us if your address or phone number changes, so we know how to reach you. Please visit the Preventing ID Theft  page for additional guidelines on how to protect your information.