Disclosure Of Information to Parties That Provide Services To Us
In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform other services on our behalf so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our members' privacy, we only work with companies that agree to maintain strong strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members
If you terminate your membership with Richmond Heritage Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who need to know that to provide products or services to you. We maintain physical, electronic or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Information We Collect About You
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms
• Information about your transactions with us
• Information we receive from a consumer reporting agency

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us
We may disclose nonpublic personal information about you to the following types of third parties:

• Financial service providers, such as insurance companies and mortgage service companies.
• Non-Financial companies, such as consumer reporting agencies, data processors, check/share draft printers, and government agencies.