Privacy Policy | Radiant Credit Union

Facts	What does Radiant Credit Union do with your personal information?
Facts	Why?	What does Radiant Credit Union do with your personal information?	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.
Facts	What?	What does Radiant Credit Union do with your personal information?	The types of personal information we collect and share depend on the product or service you have with us. This information can include your Social Security number and account balances, credit history and credit scores, and overdraft history and payment history. When you are no longer our member, we continue to share your information as described in this notice.
Facts	How?	What does Radiant Credit Union do with your personal information?	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 Radiant Credit Union chooses to share; and whether you can limit this sharing.
Facts Why?	What does Radiant Credit Union do with your personal information?	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.
Facts What?	What does Radiant Credit Union do with your personal information?	The types of personal information we collect and share depend on the product or service you have with us. This information can include your Social Security number and account balances, credit history and credit scores, and overdraft history and payment history. When you are no longer our member, we continue to share your information as described in this notice.
Facts How?	What does Radiant Credit Union do with your personal information?	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 Radiant Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Radiant Credit Union Share?	Can you limit this sharing?
Reasons we can share your personal information	For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus.	Does Radiant Credit Union Share?	Yes	Can you limit this sharing?	No
Reasons we can share your personal information	For our marketing purposes – to offer our products and services to you	Does Radiant Credit Union Share?	Yes	Can you limit this sharing?	No
Reasons we can share your personal information	For joint marketing with other financial companies	Does Radiant Credit Union Share?	Yes	Can you limit this sharing?	No
Reasons we can share your personal information	For our affiliates’ everyday business purposes – information about your transactions and experiences	Does Radiant Credit Union Share?	No	Can you limit this sharing?	We don't share
Reasons we can share your personal information	For our affiliates’ everyday business purposes – information about your creditworthiness	Does Radiant Credit Union Share?	No	Can you limit this sharing?	We don't share
Reasons we can share your personal information	For nonaffiliates to market to you	Does Radiant Credit Union Share?	No	Can you limit this sharing?	We don't share
Reasons we can share your personal information For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus.	Does Radiant Credit Union Share?	Yes	Can you limit this sharing?	No
Reasons we can share your personal information For our marketing purposes – to offer our products and services to you	Does Radiant Credit Union Share?	Yes	Can you limit this sharing?	No
Reasons we can share your personal information For joint marketing with other financial companies	Does Radiant Credit Union Share?	Yes	Can you limit this sharing?	No
Reasons we can share your personal information For our affiliates’ everyday business purposes – information about your transactions and experiences	Does Radiant Credit Union Share?	No	Can you limit this sharing?	We don't share
Reasons we can share your personal information For our affiliates’ everyday business purposes – information about your creditworthiness	Does Radiant Credit Union Share?	No	Can you limit this sharing?	We don't share
Reasons we can share your personal information For nonaffiliates to market to you	Does Radiant Credit Union Share?	No	Can you limit this sharing?	We don't share

Name	Description
Name	How does Radiant Credit Union protect my personal information?	Description	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.
Name	How does Radiant Credit Union collect my personal information?	Description	We collect your personal information, for example, when you open an account or deposit money, use your credit or debit card or make a wire transfer, and apply for financing. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Name	Why can't I limit all sharing?	Description	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, and sharing for nonaffiliates to market to you. State law and individual companies may give you additional rights to limit sharing.
Name How does Radiant Credit Union protect my personal information?	Description	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.
Name How does Radiant Credit Union collect my personal information?	Description	We collect your personal information, for example, when you open an account or deposit money, use your credit or debit card or make a wire transfer, and apply for financing. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Name Why can't I limit all sharing?	Description	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, and sharing for nonaffiliates to market to you. State law and individual companies may give you additional rights to limit sharing.

Term	Definition
Term	Affiliates	Definition	Companies related by common ownership or control. They can be financial or non financial companies. (Radiant Credit Union has no affiliates)
Term	Nonaffiliates	Definition	Companies not related by common ownership or control. They can be financial and nonfinancial companies. (Radiant Credit Union does not share with out nonaffiliates so they can market to you.
Term	Joint Marketing	Definition	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. (Our joint marketing partners include insurance companies)
Term Affiliates	Definition	Companies related by common ownership or control. They can be financial or non financial companies. (Radiant Credit Union has no affiliates)
Term Nonaffiliates	Definition	Companies not related by common ownership or control. They can be financial and nonfinancial companies. (Radiant Credit Union does not share with out nonaffiliates so they can market to you.
Term Joint Marketing	Definition	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. (Our joint marketing partners include insurance companies)