Disclosures

Link Disclaimer

This Service includes links and pointers to Internet sites maintained by third parties. RBCU does not operate or control in any respect any information, products or services that third parties may provide on a website linked to www.rbcu.org.

The materials in this site and the third-party sites are provided “as is” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, RBCU disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

RBCU does not warrant that this website or any of its functions will be uninterrupted or error-free, that defects will be corrected, or that this site or the servers that make it available, are free of viruses or other harmful components. RBCU does not warrant or make any representations regarding the use or the results of the use of the materials in this site or in third-party sites in terms of their correctness, accuracy, timeliness, reliability or otherwise.

Privacy Policy

Thank you for visiting RBCU's website and viewing our privacy policy.

RBCU is committed to offering financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a priority for everyone associated with the credit union.

As an RBCU member, you also have a responsibility to safeguard your financial information.

It is very important that you guard your personal information, particularly account and Personal Identification Numbers (PINs). Such information  should be provided only for legitimate transactions with companies well known to you.

FACTS	What does RBCU 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. The information can include: • Social Security number • Payment history • Transaction history • Credit history • Checking account information • Employment information
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 RBCU chooses to share; and whether you can limit this sharing.
Reasons RBCU can share your personal information			Does RBCU 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			Yes	Yes
For our affliates' everyday business purposes -- information about your transactions and experiences			No	We don't share
For our affliates' everyday business purposes -- information about your creditworthiness			No	We don't share
For nonaffliates' to market to you			No	We don't share
Who we are
Who is providing this notice?		Richfield/Bloomington Credit Union (RBCU)
What we do
How does RBCU 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. We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does RBCU collect my personal information?		We collect your personal information, for example, when you: • Open an account • Apply for financing • Give us your wage statements • Provide employment information • Give us contact information We also collect your personal information from others, such as credit bureaus, affiliates, and other companies.
Why can't I limit all sharing?		Federal law gives you the right to limit only: • sharing for affiliates' everday business purposes -- information about your creditworthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to you
Definitions
Affiliates		Companies related by common ownership or control. They can be financial and nonfinancial companies. • RBCU does not have any affiliates.
Nonaffiliates		Companies not related by common ownership or control. They can be financial and nonfinancial companies. • RBCU does not share with 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 insurance companies.

General Website Information
Visitors to RBCU’s website remain anonymous. We do not collect personal identifying information about visitors to our website. Our site does collect standard nonidentifying information about visits to our site, such as date and time visited. This information is used to compile statistics on site usage. If a member accesses the RBCU Online Banking, personal information may be collected but this information remains at the credit union. RBCU does not sell member data to third parties, whether it is gained online or already exists on the host system.

E-Mail
Personal information gathered from e-mail sent by website visitors may be used by the credit union’s staff to answer questions, follow-up on suggestions or to provide a product or service. This information is never sold, given, or disclosed to third parties. You should never send confidential information such as account numbers, credit card numbers or requests for financial transactions via e-mail to the credit union. If you wish to communicate personal information, contact RBCU by phone or mail at:

RBCU
345 East 77th Street
Richfield, MN 55423
612-798-7100
1-800-967-7228

To provide you with greater access of information, the RBCU site also contains links to other sites. While we hope these organizations join us in respecting your privacy, we are not responsible for the content or privacy practices of these other websites.

If you have questions or comments about our website privacy practices, please contact the webmaster at rbcu.org.

RBCU is Committed to Your Online Security

Richfield Bloomington Credit Union's Online Banking Service is not only the most convenient way to manage your finances 24 hours a day, 7 days a week from anywhere you have an internet connection; it is also committed to being the safest possible.

Encryption

As you may already know, RBCU online banking data is safeguarded by encryption as it moves between systems. Encryption scrambles messages exchanged between your browser and our server. Data residing on a system can only be accessed by using an authorized sign-on ID and Password.

RBCU uses 128-bit Secure Sockets Layer (SSL) Encryption to conduct transactions between your browser and our servers. After you log in, just look for the closed gold lock (Internet Explorer) or key (Netscape) in your browser's taskbar. The Internet address of secured pages should also start with an "https" prefix as opposed to "http". An example is https://secure-rbcu.org.

Double click on the padlock or key and a Security Certificate will pop up. This provides the security information about the website, the identity of the certificate provider, and the certificate owner's name.

Multi-Factor Authentication

Beginning in November and going fully "live" on December 26, 2007, RBCU has upgraded its online banking with a new security feature: multi-factor authentication. This very important upgrade identifies you as the rightful account owner by recognizing not only your password but also your computer. If the computer being used to log onto your online banking accounts is not recognized by the security system, you will either be asked to answer a number of security questions that only you know the answers for or you will be phoned to confirm your identity.

It is important to note that once you've successfully logged onto your account from a computer not considered part of your "normal" online banking access network, that "new" computer will then be recognized as normal behavior for you and you will not be prompted to answer security questions in the future.

Enrolling in Multi-Factor Authentication

Every RBCU online banking member will be required to enroll in the new and completely free multi-factor authentication security feature.

This will require members to participate in a brief one-time enrollment process. During this process you will prompted by the online banking system (after you've logged onto your account) to do the following:

1. Select 3 security questions and the answers to those questions.

2. Provide 1 and up to 4 phone numbers where you can be reached when doing your online banking (cell phone, home, work, etc.).

3. Verify your security questions, the answers to those questions, as well as the phone numbers you've provided.

4. Submit the information.

Passwords

When you enroll in RBCU's online banking, you will choose a sign-on ID and password for yourself. However, your chosen password at this point is only to get you onto the system the very first time; you will immediately be asked to change your password after successfully signing on. Additionally, if anything is entered incorrectly in your initial online enrollment for RBCU online banking, an RBCU online banking representative will contact you to confirm your identity and your chosen sign-on ID and password before the enrollment process is completed.

Remember that you play an important part in keeping others from logging into your account. Never use passwords that are easy to guess. For example, birth dates, first names, pet names, addresses, phone numbers, and social security numbers all make poor choices for passwords. Never reveal your password to another person.

Other safeguards

• If there are 3 failed sign-on attempts using your sign-on ID and/or password, the system will lock your account access and no one will be able to attempt signing onto your online account(s).
• After a specified period of inactivity, RBCU online banking will "timeout." This limits the time that a person might have to continue your online banking session if you left your computer unattended without logging out.