|WHAT DOES RCU INSURANCE SERVICES DO WITH YOUR PERSONAL INFORMATION?
|Insurance companies choose how they share your personal information. California law gives consumers the right to limit some, but not all, sharing. California 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.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Policy information
- Insurance coverages
- Underwriting information
When you are no longer our customer, we continue to share your information as described in this notice.
|All insurance companies need to share customers’ personal information to run their everyday business. In the section below, we list: the reasons insurance companies can share their customers’ personal information; the reasons RCU Services Group, doing business as RCU Insurance Services (RCUIS), chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information
|Does RCUIS 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
|For our marketing purposes – to offer our products and services to you
|For joint marketing with other financial companies
|We don't share
|For our affiliates’ everyday business purposes – information about your transactions and experiences
|For our affiliates’ everyday business purposes – information about your creditworthiness
|We don't share
|For our affiliates to market to you
|We don't share
|For our nonaffiliates to market to you
|We don't share
|Who we are
|Who is providing this notice?
|RCU Services Group doing business as RCU Insurance Services (RCUIS)
|What we do
|How does RCUIS protect my personal information?
|To protect your personal information from unauthorized access and use, we use security measures that comply with state law. These measures include computer safeguards and secured files and buildings.
|How does RCUIS collect my personal information?
We collect your personal information, for example, when you:
- Request an insurance quote
- Provide your information for an insurance quote
- Obtain a policy from us
We also collect your personal information from others, such as our affiliates or other companies.
|Why can’t I limit all sharing?
State law gives you the right to limit only:
- Sharing for affiliates’ everyday business purposes
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include Redwood Credit Union and RCU Services Group.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Redwood Credit Union and RCU Services Group do not share with nonaffiliates so that they can market to you
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Redwood Credit Union and RCU Services Group do not jointly market.
RCU Insurance Services Online Privacy Practices
How We Collect and Use Your Information
You may interact with us in a variety of ways online, including through a mobile device. We offer sites and applications that permit browsing and do not require registration. We also offer the ability to access your accounts online, which requires you to register and securely log in. Information we may collect about you through online interaction includes: information you input, such as your name, address, email address, other contact information; data resulting from your activity, such as transaction information; and location information. We may also gather additional information, such as the type of device and browser you are using, the IP address of your device, information about your device’s operating system, and additional information associated with your device. We may also gather information collected through cookies and other technologies, as described below. This information allows us to better understand your needs, so we can serve you better.
Cookie Settings and Do Not Track Signals
You can refuse to accept cookies and enable “Do Not Track” signals as most devices and web browsers offer their own privacy settings. You will need to manage your privacy settings for each device and browser you use. If you do not accept cookies, you may be unable to use many features of our site, including online products and services.
“Do Not Track” signals and cookie settings may vary among browsers and devices. We attempt to create a consistent experience for our customers, but we may be unable to recognize all privacy settings due to the evolution of industry standards and technological advancement.
Your IP address is a number that is automatically assigned to the device that you are using by your Internet service provider (ISP). An IP address is identified and logged automatically in our server log files whenever a user visits the site, along with the time of the visit and the page(s) that were visited. Collecting IP addresses is standard practice on the Internet and is done automatically by many websites. We use IP addresses for several purposes, such as calculating site usage levels, helping diagnose server problems, personalizing/tailoring your experience while engaging with us online and offline, for compliance and security purposes, for advertising, and for administering the site.
RCUIS’s website uses Google AdWords and Google Analytics
Third-Party Widgets & Websites
We do not disclose or sell personal information about you or our former customers to nonaffiliated third parties, except as permitted or required by law or regulation or as specified above (See Google AdWords and Third-Party Widgets). We may disclose all of the information we collect to companies with whom we have a financial services agreement to offer financial products and services to you.
Our site is not directed to individuals under the age of 13, and we request that these individuals do not provide personal information through the site. We do not knowingly collect information from children under 13 without parental consent. The Children’s Online Privacy Protection Act of 1998 (COPPA) restricts the collection, use, or disclosure of personal information from and about children under the age of 13 on the internet. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website: http://www.ftc.gov/.
Updates to these Privacy Practices
RCUIS Privacy Practices are subject to change and are reviewed periodically. Any changes will result in an updated revised date at the bottom of these practices and will be effective upon the date of posting on the site. Any use of the site equates to acceptance of the terms contained within these practices.
Last updated: 05/17/2021