Disclosures

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Rivertown Credit Union is owned by its members, and run by a board of directors elected by its members. Please be confident that your financial privacy is a top priority. We utilize numerous safeguards on our website to ensure your online interactions with us are protected. To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide them.

Rivertown Credit Union 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 account balances
• Account transactions and employment information
• Income and overdraft history

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 Rivertown Credit Union chooses to share; and whether You can limit this sharing.

TO LIMIT OUR SHARING:

• Call Us at 616.406.2480. Our menu will prompt You through Your choice(s).
• Visit Us online at: www.rivertowncu.org – Our menu will prompt You through Your choice(s), or
• Mail form to: Rivertown Credit Union, 3121 Macatawa Drive SW, Grandville, MI 49418

PLEASE NOTE: If You are a new member, We can begin sharing Your information 30 days from the date We sent this notice. When You are no longer Our member, We continue to share Your information as described in this notice. However, You can contact Us at any time to limit Our sharing.

WHAT WE DO

HOW DOES RCU 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 RCU COLLECT MY PERSONAL INFORMATION?
We collect Your personal information, for example, when You:

• Open an account or apply for a loan
• Apply for insurance or enter into an investment advisory contract
• Apply for financing

We also collect Your personal information from others, such as credit bureaus, affiliates, or other companies.

WHY CAN’T I LIMIT ALL THE 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.

WHAT HAPPENS WHEN I LIMIT SHARING FOR AN ACCOUNT I HOLD JOINTLY WITH SOMEONE ELSE?
Your choices will apply to everyone on Your account.

DEFINITIONS AFFILIATES:
Companies related by common ownership on control. They can be financial and non-financial companies.

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

Non-affiliates We share with include insurance companies.

JOINT MARKETING:
A formal agreement between non-affiliated financial companies that together market financial products or services to You.

Our joint marketing partners include investment, insurance and other financial service providers.

BIOMETRIC INFORMATION PRIVACY POLICY AND CONSENT
SCOPE AND OVERVIEW
This policy outlines how Rivertown Credit Union, its vendors, and/or the licensor of the Rivertown Credit Union’s consumer verification software processes biometric data collected from you for identity verification and fraud prevention purposes.

BIOMETRIC DATA DEFINED
As used in this policy, biometric data includes “biometric identifiers” and “biometric information”. “Biometric identifier” means a retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry. As the term is used in this policy, the selfie photograph you upload to the software for use in the biometric algorithm is considered a “biometric identifier.” “Biometric information” means any information, regardless of how it is captured, converted, stored, or shared, based on an individual’s biometric identifier used to identify an individual.

DISCLOSURE AND AUTHORIZATION POLICY
To the extent that Rivertown Credit Union, its vendors, and/or the licensor of the Rivertown Credit Union’s consumer verification software collect, capture, or otherwise obtain biometric data relating to a consumer, Rivertown Credit Union must first:

Inform each consumer that Rivertown Credit Union, its vendors, and/or the licensor of the Rivertown Credit Union’s consumer verification software are collecting, capturing, or otherwise obtaining the employee’s biometric data, and that the Rviertown Credit Union is providing such biometric data to its vendors and the licensor of the Rivertown Credit Union’s consumer verification software;

Inform the consumer of the specific purpose and length of time for which the consumer’s biometric data is being collected, stored, and used; and

Receive consent by the consumer authorizing Rivertown Credit Union, its vendors, and/or Rivertown Credit Union’s consumer verification software to collect, store, and use the consumer’s biometric data for the specific purposes disclosed by the Rivertown Credit Union, and for Rivertown Credit Union to provide such biometric data to its vendors and the licensor of the Rivertown Credit Union’s consumer verification software.

Rivertown Credit Union, its vendors, and/or the licensor of the Rivertown Credit Union’s consumer verification software will not sell, lease, trade, or otherwise profit from employees’ biometric data; provided, however, that the Rivertown Credit Union’s vendors and the licensor of the Rivertown Credit Union’s consumer verification software may be paid for products or services used by Rivertown Credit Union that utilize such biometric data.

This policy is intended to comply with all federal, state, and local laws.

PURPOSE FOR THE COLLECTION OF BIOMETRIC DATA
Rivertown Credit Union, its vendors, and/or the licensor of Rivertown Credit Union’s consumer verification software collect, store, and use biometric data solely for identity verification and fraud prevention purposes.

DISCLOSURE
Rivertown Credit Union will not disclose or disseminate any biometric data to anyone other than its vendors and the licensor of the Rivertown Credit Union’s consumer verification software providing products and services using biometric data without/unless:

• First obtaining consumer consent to such disclosure or dissemination;
• The disclosed data completes a financial transaction requested or authorized by the consumer;
• Disclosure is required by law or ordinance; or
• Disclosure is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.

SECURITY
Rivertown Credit Union shall use a commercially reasonable standard of care to store, transmit, and protect from disclosure any biometric data collected. Such storage, transmission, and protection from disclosure shall be performed in a manner that is the same as or more protective than the manner in which Rivertown Credit Union stores, transmits, and protects from disclosure other confidential and sensitive information, including personal information that can be used to uniquely identify an individual or an individual’s account or property, such as genetic markers, genetic testing information, account numbers, PINs, driver’s license numbers and social security numbers.

RETENTION
Rivertown Credit Union shall retain consumer biometric data only until, and shall request that its vendors and the licensor of Rivertown Credit Union’s consumer verification software permanently destroy such data when, the first of the following occurs:

• The initial purpose for collecting or obtaining such biometric data has been satisfied, such as verification of consumer identity;
• Request of consumer to destroy the biometric data; or
• Within 30 days of consumer’s provisioning of biometric data.

CONTACT INFORMATION

If you have any questions about our use, storage, or security of your biometric data you can contact us at: This email address is being protected from spambots. You need JavaScript enabled to view it..

BIOMETRIC INFORMATION CONSUMER CONSENT

As outlined in the “Biometric Information Privacy Policy”, I understand and consent to the collection, use, retention, storage, and/or disclosure or re-disclosure of data or images from biometric verification technology by Rivertown Credit Union, its vendors, and/or the licensor of the Rivertown Credit Union’s consumer verification software. I acknowledge that I have been given a copy of the Policy, or that the Policy has been made accessible to me, and I have had an opportunity to review it and request any additional information concerning the Rivertown Credit Union’s procedures and safeguards for collecting, maintaining, using, disclosing, sharing, storing, and/or destroying this data.

To better serve our members, Rivertown Credit Union uses small text files called cookies to collect anonymous website traffic data. Our cookies do not collect or store any personally identifiable information.

The Rivertown Credit Union website contains links to other websites. These links are provided for convenience only and the other websites are not operated by Rivertown Credit Union. We are not responsible for any content or information posted on these external websites. Rivertown Credit Union is not responsible for, nor do we represent you or the external website if you enter into any agreements. The privacy and security policies may differ between our website and those governing the linked external websites.

Rivertown Credit Union does not knowingly collect information from children under the age of 13 without obtaining verifiable consent from their parents or legal guardians. Our website is not designed to collect or use personal information from children under the age of 13.

To request a copy of your credit card agreement, please call us at 616-406-2480 or send us an email request to This email address is being protected from spambots. You need JavaScript enabled to view it..* We will provide the requested agreement within a reasonable timeframe, not to exceed 30 days.

View a current version of our Fee Schedule

*Do not include personal information in your request (account numbers, Social Security Number, or other sensitive information).

To request a copy of our savings, checking or share certificate disclosures, please call us at  616-406-2480 or send us an email request to This email address is being protected from spambots. You need JavaScript enabled to view it..* We will provide the requested disclosures within a reasonable timeframe, not to exceed 30 days.

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*Do not include personal information in your request (account numbers, Social Security Number, or other sensitive information).