Privacy and Security Policy

Privacy Policy

Facts	What does Redwood Community Credit Union do with your personal information?
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: Deposit product information Social Security number and income Account balances and payment history Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Redwood Community Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Redwood Community Credit Union 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 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	No	We don't share
For our affiliates’ everyday business purposes— information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We don't share
For non-affiliates to market to you	No	We don't share

Questions?	Call +1 (707) 545-4001 Please note: We may contact our existing customers by mail, email, telephone or other channels such as social media (e.g. Facebook, Twitter) to offer additional products or services that we believe may be of interest to you. You may direct us not to send you such offers.

What we do
How does Redwood Community 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 and secured files and buildings.
How does Redwood Community Credit Union collect my personal information?	We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What we do

How does Redwood Community 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 and secured files and buildings.

How does Redwood Community Credit Union collect my personal information?

We collect your personal information, for example, when you

open an account or deposit money
pay your bills or apply for a loan
use your credit or debit card

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a Redwood name; financial companies such as Redwood Wealth
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Redwood Community Credit Union does not share with non-affiliates 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 businesses such as insurance companies

Security policy

Security Statement

Your online security is our #1 concern. Nothing is more important. Our job is to make sure your deposit account and personal information are always secure. My colleagues and I have been given extraordinary resources and the latest state-of-the-art technology to provide you with a secure online environment.

I'm proud of the security system we have created. Because of this commitment to security, your account and personal information are safe within Redwood and when you communicate with Redwood.

If you have any questions about our security measures, contact a Customer Care Relationship Manager at +1 (707) 545-4001. We’re here to help you, seven days a week from 8am to 8pm ET.

Information Security Officer, Redwood Community Credit Union

Our Security Measures

Here are some of the ways we provide the utmost in online security:

We have built a time-out into your logon session. Your connection to our site will be closed after a period of inactivity. This protects you in case you forget to log out.
We use firewalls and other technology to block unauthorized traffic to our site. Our state-of-the-art monitoring equipment ensures that unauthorized access is prevented.
Information is always encrypted between areas of Redwood and between Redwood and our partners. Not only is communication between you and Redwood encrypted, but also between Redwood and its business partners. It's one more way to ensure the security of your personal information.

Our Email Security Standards

All of our legitimate emails that you receive will contain four pieces of consistent information to enable you to easily verify if an email related to your account is authentic:

Your first and last name.
Our mailing address along with information on how to contact us via email or by phone.
A unique tracking identification that we can use to verify the email; if you have any doubts about the authenticity of an email, please call +1 (707) 545-4001.

In addition, we will never ask you in an email to verify sensitive information such as your full account number, User name, or Password.