Privacy Policy

Facts: What does Randolph-Brooks Federal Credit Union (RBFCU) 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 products or services you have with us. This information can include:

• Social Security number and income
• Account balances and payment history
• Credit history, credit scores and biometric data

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 RBFCU chooses to share; and whether you can limit this sharing.

To limit our sharing

• Call (toll-free) 1-800-580-3300 and speak to a Member Service Representative.
• Visit a branch location and speak to a Member Service Representative.

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.

*Members cannot opt-out of receiving letters or other credit union communications that carry regulatory notices.

Questions?

Call (toll-free) 1-800-580-3300 or visit a branch location and speak to a Member Service Representative.

Who we are

Who is providing this notice?

RBFCU; RBFCU Services LLC; Kuper Realty Holding Company, LLC dba Kuper Sotheby’s International Realty; Preserve Title Company LLC; RBFCU Appraisal LLC; RBFCU Assets LLC; RBFCU Insurance Agency LLC; RBFCU Investments Group LLC; and RB Mortgage LLC, dba Domain Mortgage.

What we do

How does RBFCU 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 les and buildings.

Employees are trained on the importance of maintaining confidentiality and member privacy, and restricting access to nonpublic personal information.

How does RBFCU collect my personal information?

We collect your personal information, for example, when you:

• Open an account or deposit money
• Pay your bills or apply for a loan
• Use your debit or credit card

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’ everyday business purposes — information about your creditworthiness
• 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.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices only affect your sharing, not your joint owners.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Affiliates include; RBFCU, RBFCU Services LLC; Kuper Realty Holding Company, LLC dba Kuper Sotheby’s International Realty; Preserve Title Company LLC; RBFCU Appraisal LLC; RBFCU Assets LLC; RBFCU Insurance Agency LLC; RBFCU Investments Group LLC; RB Mortgage LLC, dba Domain Mortgage; and TruHome Solutions, LLC. We may also enter into agreements in the future with other companies that offer additional financial products for you to consider.

Nonaffiliates

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

• Nonaffiliates we share with can include companies for credit cards, direct marketing, data processing, online services for bill payment, account setup, deposit and mobile services and identity protection. We may also enter into agreements in the future with other companies that offer additional financial products and services for you to consider.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include direct marketing companies, credit card companies and other financial institutions.

RBFCU Online Banking Privacy Policy

At Randolph-Brooks Federal Credit Union (RBFCU), we understand how important personal privacy is to you. As a result, we have adopted the following Privacy Policy, in order to better serve you, our valued Member.

Privacy Concerns of Our Members

Your privacy and security concerning your personal affairs is of the utmost importance to us. We have implemented standards and procedures designed to prevent the misuse of information you have entrusted to us. These standards and procedures are based on applicable federal laws and Texas state statutes that govern how we handle your account with us.

Collection and Retention of Member Information

We automatically collect the date and time of your visit, the internet provider address you were assigned, and the pages you access on our web site. If you participate in any surveys and/or site registrations, we retain that information as well. The information we obtain from you remains strictly confidential. Examples of how member information may be used include, but are not limited to: 1) To improve our web site; 2) To notify you about updates or enhancements to our web site; 3) To contact you for special promotions.

Collection and Retention of E-Mail Addresses

If you choose to provide us with your e-mail address, it will be used in the manner specified by you. This information will not be sold to third parties. If you authorize it, we provide your e-mail address to a third party vendor we hire to provide services to you.

Access to Confidential Information by Employees

Your right to privacy is a top priority. We have policies and procedures that limit our employees' access to personal information regarding your account. Through our standard operating procedures, we educate our employees regarding the need for confidentiality associated with our Members' accounts.

Maintaining Accurate Member Information

Our goal is to ensure your records are current, accurate, and complete. If you make us aware of inaccurate information, we will respond to your inquiry in a timely manner.

Our Security Procedures to Protect Information

We use security features on RBFCU Online Banking to help prevent unauthorized access to your information. We update and test our security as necessary to improve the protection of information and its integrity. Our site requires SSL 128 bit encryption. Your browser must be capable of viewing SSL 128 bit encryption to use Online Banking.

Disclosure of Member Account Information

We provide personally identifiable information about you to a third party such as a vendor or service company that we hire to prepare your account statements or to provide support or services for one or more of our products. These vendors and service companies have agreed to safeguard our confidential information about you, and any products and services that you use.

Except as stated above, we will not knowingly reveal any account information or other personally identifiable information to a third party not affiliated with RBFCU, unless one of the following applies: 1) The information is required in order to complete a transaction initiated by you; 2) You request or authorize the disclosure of information; 3) We are required or allowed to by law; or 4) The information is provided to a reputable credit bureau or similar information reporting agency.

Please Note: E-mail sent to RBFCU may be used by the credit union's staff and volunteers to answer questions, to follow up on suggestions or to improve the level of service RBFCU provides. E-mail may not be secured and is subject to interception by unauthorized individuals. Therefore, if you wish to communicate sensitive or personal information, you may send it by postal service or use our Secure Messaging.

Use of this system constitutes consent to security testing and monitoring. ALL network traffic on this system is constantly monitored for security, copyright, and statistical purposes. Unauthorized attempts to upload or change information, to download this entire web site, or otherwise cause damage are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986 and any other applicable local, state, federal and/or international laws.

If you have any questions or comments concerning our Privacy Policy, you may contact us by email at memberservices@rbfcu.org or by telephone at Member Service Center at 210-945-3300 (San Antonio), 512-833-3300 (Austin), or 1-800-580-3300 (toll free).

RANDOLPH-BROOKS FEDERAL CREDIT UNION'S PRIVACY POLICY IS SUBJECT TO CHANGE AT ANYTIME WITHOUT NOTICE. NO PROVISIONS CONTAINED HEREIN SHALL BE DETERMINED TO CHANGE OR ALTER ANY OTHER CONTRACTS OR POLICIES BETWEEN RANDOLPH-BROOKS FEDERAL CREDIT UNION AND ITS MEMBERS.

Rev 04/24. RN2748635. 92167-PRIV-0424.