East River Federal Credit Union - Privacy Policy
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Privacy Policy

WHAT DOES EAST RIVER FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

FACTS

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 accounts, products, or services you have with us. This information may include:

  • Name, address, Social Security Number, and income
  • Account balances and payment history
  • Credit history and credit scores

How?

All financial companies need to share members’ personal information to run their everyday business. The table below explains why financial companies can share personal information, whether East River Federal Credit Union shares, and whether you can limit that sharing.

How does East River Federal Credit Union share your information?
Reasons we can share your personal information Does East River Federal Credit Union share? Can you lmit this sharing?
For our everyday business purposes —
such as processing transactions, maintaining your account(s), responding to court orders and legal investigations, or reporting 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 Yes
For affiliates’ everyday business purposes —
information about your transactions and experiences		 No We do not share
For affiliates’ everyday business purposes —
information about your creditworthiness		 No We do not share
For affiliates to market to you No We do not share
For non-affiliates to market to you No We do not share

To limit our sharing

You may limit our sharing related to joint marketing by:

  • Calling 605-256-8145
  • Calling toll-free 800-667-6039
  • Visiting the Credit Union
  • Mailing a written request

Please Note: If you are a new member, we can begin sharing your information 30 days from the date we sent you this notice. When you are no longer a member, we continue to share your information as described in this notice. However, you may contact us at any time to limit our sharing.

For questions, call 605-256-8145 or 800-667-6039, or visit www.eastriverfcu.com.

Who We Are

Who is providing this notice?

East River Federal Credit Union.

What We Do

How Does East River Federal 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, secured files and buildings, precedural safeguards and safe record storage. We will continue to review and modify our security controls in the future to deal with changes in products, services and technology.

How Does East River Federal Credit Union Collect My Personal Information?

We collect your personal information when you:

  • start an account
  • apply for a loan
  • use your credit or debit card
  • pay your bills
  • make deposits to or withdrawals from the accounts you have with us

We also collect personal information from other sources, including credit bureaus and other companies.

Why can't I limit all sharing?

Federal law only gives you the right to limit:

  • Sharing for affiliates’ everyday business purposes regarding your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing with non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on the account you have with us.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • East River Federal Credit Union does not have affiliates

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • East River Federal Credit Union does not share with non-affiliates so that they can market to you.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or service to you. Our marketing partners include:

  • Investment companies
  • Insurance companies
  • Other financial service providers