Serving our members’ needs and protecting their personal information are one of our top priorities for Credit Union of Richmond (referenced herein as "Credit Union of Richmond," "we," "us" or "our").
For purposes of this Policy, "online" means utilization of an internet communication protocol to view, display, access, receive or transmit information. This Policy covers all our online practices, including, but not limited to our CURICH.org website, our Online Banking service, and our Mobile Banking Application (Mobile App). Our separate Privacy Notice along with this Policy, describes the privacy and data security practices that we follow.
Accessibility and Cookies
Cookies are pieces of data stored by your Web browser that are useful for expediting page loads or enhancing your online experience when you return to a website. It is a piece of data given to a browser that the browser hands back to the server on subsequent visits.
Although cookies do not reveal your identity, the credit union use cookies to help us verify our members' identities prior to granting access to our secure online banking system. To achieve all of the benefits from the built in security that we offer, your browser must meet certain requirements, such as supporting 128-bit encryption. In addition, your browser must be set to allow our servers to create a cookie on your system.
As a security enhancement, our servers are not directly connected to the Internet. The data that is transmitted to and from the server must first pass through a firewall. A firewall is a hardware or software device that monitors network traffic and blocks inappropriate connections to other computers on a network.
Any email that you send us may not be secure unless you utilize one of our secure online services. Therefore, please do not send us confidential information such as Social Security or account numbers through an unsecured email. If you provide us identifying information in an Email (e.g., name and address), this information will only be used to communicate with you and to handle your request. We will not sell or transfer this information to other parties. Credit Union of Richmond does not knowingly collect, maintain, or use personal information from our website about minors nor do we market any services to them.
We may also use Google Analytics Demographics and Interest Reporting cookies to analyze trends, administer the website, track members’ or users’ movements while using the website. We may also gather aggregated demographic information. Credit Union of Richmond may also contract with third-party companies who use cookies to measure the performance of a marketing effort on our behalf. We prohibit these companies from using this information for their own marketing purposes or from sharing this information with anyone other than Credit Union of Richmond. To opt-out of data from being used by Google Analytics, visit https://tools.google.com/dlpage/gaoptout.
Please Contact Us if you have any questions, comments, or concerns about the accessibility of any page on our website.
Privacy Policy
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
- credit scores and overdraft history
- payment history and transaction or loss history
When you are no longer our member, we continue to share your information as described in this notice.
How?
All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Credit Union of Richmond chooses to share; and whether you can limit this sharing.
How does Credit Union of Richmond share your information?
| Reasons we can share your personal information |
Does Credit Union of Richmond 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 to 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 – nformation 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 804-355-9684 or go to www.curich.org
What we do
How does Credit Union of Richmond 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 Credit Union of Richmond collect my personal information?
We collect your personal information, for example, when you
- open an account or seek financial or tax advice
- tell us about your investment or retirement earnings or apply for financing
- make deposits or withdrawals from your account
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 law 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.
- Credit Union of Richmond has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Credit Union of Richmond does not share with our nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include loan recapture programs and Insurance companies.